You got in at a bad time and probably picked some subpar investments. You likely bought some big tech stocks at the worst possible time, and many of them never recovered because they were way over valued to begin with.
Stick with total market or sp500 fund like VTI or VOO. You’d be up right now if you had.
Also, it sounds like you invested once and then never bought more? The whole point is that you’re buying more every paycheck. You’d be way up if you’d kept investing through 2022 when prices were low.
Retirement accounts with the right funds are supposed to be set it and forget it. Make the automatic contribution every paycheck and look at it maybe once or twice a year. Otherwise, let it be.
Just tax any income above $10,000,000 per year at 90%. There really isn’t a need for more than that.