It just takes time
Posting this for anyone that is feeling frustrated.
Look how we were in negative net worth and then just when it looked like it was positive, it bounced back into negative. That took 2 years to stabilize. And before that first positive net worth, was another 2 years. But the work is paying off.
(Ignore the blip in October 2020 where assets goes WAY up. That was us moving funds around to help son sell his truck and pay off the loan to get a clean title. )