I'm really confused, I want to know if it's time to cash in or to cash out, suffered lots of losses last year
It depends on investments. You should take into account the prices of altcoins during the time you bought them and their costs now. If you see that the returns can be great, and you need money urgently, you can sell alts. I am going to hold crypto longer.
if we use cold or free money in our investment , we should not confuse about this thing.we will not panic and keep holding our assets till it give us profits.personally i am still hold all of my crypto assets.