<prompt> Human: Well, I was just checking in on my 401k.Like an idiot, I only started to contribute in December of last year, I am 46 this year..So far I have a bit more than 1k, because my company matches 11 until 4, then goes to 12. Still, my 5 comes out to 9.Anyways, I see it says that I am on my way to make 23k a year at retirement, which is not great, but Im not in a place right now to contribute more. Frankly that 5 would be super helpful in my pocket. But it says that I am getting -4.1 rate of return.Does thatean what I think it means Im losing money? Do I need to change my plan, or what?  <response>: Well the market is down in the last few months. Ignore it. Keep contributing. 