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Well, the 401k has been trucking along about 20 years, with 9% of my income (5% contribution, 4% match). The brokerage account I've had about 10 years, and bitcoin has been an 8 year accumulation. Most of my "active" investing has taken place in the last 8 years.
There were a smattering of minor setbacks that came out of the emergency fund. New well pump, birth of my child, etc. Nothing in the six figure range, or even much above $10,000 at a shot. Buying a house with 20% down in 2021 was probably the largest "set back" if all you care about is maximizing contributions to an investment account. But despite the opportunity cost of being out around $100,000 for the down payment, it's been worth it. I don't really include the appreciation on the house in my "Fuck You" goal, but I do include the fixed cost of keeping a roof over my head compared to the rental market, as well as avoiding all the instability of having to deal with a market for shelter at all. You see debates on the rent vs buy math all the time, but I can promise you the buy in 2021 versus rent today math absolutely works out in favor of "buy in 2021"
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