You only convert an appreciated asset into dollars when you sell (make money).
Until then you have an appreciated asset that will continue to fluctuate in value until it is sold. Until then, you have a high net worth “as of (fill in date)”
But rather than quibble about terms, It seems best to move on.
I wish you well.
True, but unless you want to lose 7+% to inflation a year (OK 3% most years) you have to invest in something - and everything you can invest in has some risk. Stocks have a very, very good track record over the long haul and nearly any longer term period except the first half of the great depression. Your cash has a depreciating asset that fluctuates in value so pretending you are safe not investing is moronic.