I took a peek at Personal Capit and since the first of the year, net worth despite automatic 401k deductions, matching and additional investing every month, lost about $39k. If I look at the investments, I've lost so much more.  So I'm just going to ignore it. I'm still sorta young and I'm going to do my best to keep ignoring it. I think just like the housing market over time, it's just a matter of when you take the money out. The value doesn't matter until I take it out. I'm 9 years away from even minimally taking out social security and I know things can change so much. I think 10 years ago I bought a 2 bedroom 800 sqft townhouse for $30k and put in about $5k of work into it,  sold it 6 years later for nearly $120k. 

The other thing that I keep in mind is that I know that I'm so much better off than so many folks I know. Unless things completely colapse, I think we'll be okay. We have no debt.