@mosfet They are a good simple option because they start allocating bonds. Depends what you truly want to do. I am young so don’t do the target date as I don’t want bonds currently. For advice on the post would probably need TICKER symbols
@alicia0201 Monthly expenses you need to break down
Food
Travel
Gas
All of that to figure out where to save.
As for 401K contact your current provider see what options they give. Usually they send you a sheet, you fill it out with proper information and then they pretty much take care of it.