Things may be down in crypto, but they will go back up eventually. It's just the way it works like you said. Plus you have a job and can consider retirement with pension and insurance in the near future. That's better off than most of us out there! lol
The metals may be down for now, but with the instability world wide they aren't going to lose much value. They will likely start climbing again too as China continues to stockpile gold and silver.
SMR had some great news, we'll see if they can deliver on getting it approved and built. It could be a very big deal if they do!