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2020: +24% (bought shares for first time ever in July that year, found TMF in the Fall. Invested all our savings.)2021: +16.3%2022: -57% atmThe pain is real.42 years old, safe job, live in Europe.I would be relatively relaxed and buying more with scraps from monthly paychecks, but need to put in a down payment for a house sometime in the next 12 months.Regrets regrets...What I should have done - Sell enough in October/November last year , when I was up 100%+ for the year, to have cash for the house down payment. Wife would be happy, my anxiety would be severely reduced.What I did instead - remained fully invested, and as prices came down borrowed and leveraged to buy more. So now I'm in the dumps AND paying for a loan. Also thought it was a good idea to buy call options... those are down 84%. They're LEAPs, might get my money back, but... ouch.Also started a portfolio for the kids in the family (my kid, my siblings' kids), thinking we'd split it up between them in 15 years or so. It's down 69% from September.Upstart has the largest share in both portfolios, still strongly believe all this will be worth it over a 10yr horizon or so, but right now, the feeling is not so great. Good luck to all.
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