Core, your response completely confirmed my impression that you are depressed. But let’s talk about your investments for a moment - you do know, that if you’re diversified, you haven’t lost that money unless you pull it out of your investments? The market goes up and down - it’s never a straight line. You have a long time horizon. You shouldn’t be tying your mood to the swings of your retirement accounts at this age. I think the Mr Mustache site would help you.