this post was submitted on 04 Sep 2025
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then some people are going to lose money
Unfortunately, me included, since my retirement money is heavily invested in US stocks.
Meh, they come back up over time. Long term, the US stock market has only gone up.
Yup, I'm not worried, just noting that I'll be among those who will lose money.
But if you don't sell, did you lose money. My 401k goes up and down all the time. But I didn't lose any money. Same with my house value.
Yes, my net worth went down.
The point of "you don't lose money until you sell" is to discourage panic selling, but it's total bunk. When you assets lose value, you do lose money, and how much that matters depends on when you need to access that money. As the article says, you may not care that you lost money if you don't need to access the money, but that doesn't change the fact that you're now poorer if your assets drop in value.