So are fuel prices and housing 
Price of houses are not up 30% since Jan 2025, what are you smoking? Gas is up quite a bit, maybe more than 30%, but temporary until Iran loses all leverage on November 4th when the gloves come off. If you have $20,000 in a 401K, you made an extra $6,000 from the stock market increase, if you had $100,000 in a 401K, you made $30,000.
I maybe pay an extra $20 a week for gas, $1040 for the year.