Maybe I am misunderstanding your net worth, don't bite my head off...
If anyone lost money in 401k, IRA, retirement etc over the last two/four years, someone was either misinformed, or didn't do reseach. I am far from well off, actually living a low middle income life. But, the "investment market" made lots of gains over the last 4+ years. I enjoyed 17% last year.
In areas I looked, real estate has been through the roof. Just reading on here, equipment values has gone up.
Have you lost net worth another way? Just want to make sure I'm not looking through rose colored glasses about my retirement plan.