Through Dec. 12, Bitcoin (CRYPTO: BTC) and Ethereum (CRYPTO: ETH) are down by 64% and 66%, respectively, for the year. The Motley Fool has positions in and recommends Bitcoin, Ethereum, Vanguard Index Funds-Vanguard Growth ETF, Vanguard Index Funds-Vanguard Value ETF, and Zillow Group. Just to put into perspective how long it's been since last New Year's Day, at the start of 2022 the stock market was still making all-time highs, mortgage rates were just above 3%, and most experts thought inflation was going to be "transitory."