One of my accounts is pretty bad - early taste of money (inheritance) and chasing after speculative gainz, the other is better but not great, with a lot of cash burn to pay for horses and vacations and other shit. Down (61.75%) all time in RH, up something like 30% the last 3 years in Fidelity. I should probably move it, but I have money parked in VZ/T for dividends, earning just shy of $5k a year.