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My net worth really has not risen much in the past year. It has gone up- but the retirement assets actually have shrunken somewhat. What is one to make of this?

It is of course a good deal to be buying stocks- at least- relative to a year ago. The DJIA is around 11,600 while a year ago it floated around 13,250.

But from an overall FIRE pespective it is a little bit daunting. One always knows that the market is going to take some hits, and even protracted hits. But to actually be LIVING it is another story, especially when you are $70,000 behind your optimistic scenario. One is failing! The FIRE is starting to turn into FURY (Financially unbalanced retirement yearning)

Fortunately, I normally base my comparison to the projections of my realistic scenario which had a lower growth rate of 8% for the overall market. So I once was far ahead, and now only slightly ahead of this projection.

One thing that strikes home is that seven years ago I opted into a ten year mortgage, knowing I was going to "lose to the market" but that I was aiming for financial security in case my job prospects narrowed considerably (being in tech). I got a lot of grief that I was making a bad choice because I would certainly beat the 6% on the loan in the market. I wasn't so sure. The DJIA was around 11,100 at that time, and now is 11,600. Hmmm..

Some of you market beaters out there I am sure have crushed the market, but my investing skills are only of the order of beating the market slightly. But the DJIA returned 4.5% over the entire 7 years! Whereas my measly 6% return has returned 50% compounded over the same time period. Plus I am almost done paying this place off to boot.

Of course the future will bring lots of great market return so I am sure some will recommend refinancing, cashing out all the equity, and investing it in the market. Sure.

As for investing, I can't stop. Literally, there are drafts being drawn out here and there which would be difficult, or impossible, to turn off. So I keep on investing in the "down" market, and watch the whole thing with amusement.

But seriously- if I were on the VERGE of FIRE, I think I would be wetting my pants. I am curious what others of you make of a protacted dolldrum in the market with regards to your overall long term expectation of yield on your investments, and how it impacts your perspective of FIRE.
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