all that matters is the value when you cash out. if you are sitting there agonizing about an assets value month to month you're doing it wrong.
just because you are irrational and don't know how to invest, doesn't mean the rest of us don't. i have a handful of stocks and such, i have no clue what their value is because i check it like once a year. in the 5 years it's been invested my money has doubled.