It's fine to talk about net gains and losses. But you keep talking about those, while at the same time attributing the losses to a lack of young people. But tha

It's fine to talk about net gains and losses. But you keep talking about those, while at the same time attributing the losses to a lack of young people. But that's not where the losses are coming from. There may have been gains predicted there that didn't materialize, but that's still not where the actual losses are coming from. You want to talk about average cost basis, but then you keep saying that you lost money because investment X only gained +$Y instead of +$(Y+Z). Which is wrong. You lost money because you had other investments that lost money. Investment X gained value; it just wasn't enough to offset those other losses.