Many people spent 2022 putting money into a 401(k), only to watch that balance stay the same, or even go down. Unfortunately, that’s the way markets are from time to time. I understand that is not very motivating, and you may be questioning some of your decisions. It might have you wondering if you should stay the course or try to jump on the bandwagon of the next big “investment” in an attempt to recover some losses. Before making any decisions, let’s make sure the next big “Investment” is actually an investment and not just speculation.