I was willing to look at the retirement accounts today and to do the math, now that the 401K is in recovery. The poor IRA, not so much, but at least it quit freefalling. The contribution from today's paycheck to the 401K has not yet been made yet.  So, the reckoning.  As of today the retirement accounts have lost $2,017.92 this year and pretty much ate up all of our contributions.  I know we have more stock, but until that stock is worth something, it means very little.  Our new retirement total is $73,086.69.

However, the contribution of company stock hit today, so our total net worth has gone up.  Our new net worth is $149,542.88.  It's weird to see it sitting that close to $150K.  If nothing goes down by the time our 401K contribution is made from this paycheck it will hit that next week.  It's so close I can taste it.  It would be a major milestone in a year that has otherwise been pretty horrible financially.