"not making as much money as I had hoped" is not the same thing as "lost money". It depends on how you account for it. Technically you shouldn't assume all yo

"not making as much money as I had hoped" is not the same thing as "lost money". It depends on how you account for it. Technically you shouldn't assume all your future interest is materialized (IANAA), but if you run forecasts and see you have a million people who owe you a billion dollars total on a 7% interest rate over the next 20 years, you expect to have, within reason, that money. If something incredible happens and all those people suddenly pay off their loans this month, that drastically changes your future (especially if your loans were at a higher interest rate from the past you can't re-charge today).