> Educate yourself. You don't need to know the intricacies of how markets operate, but a little financial understanding is, I believe, a must for everyone.

I second this. Lot's of good advice here about letting the 401k ticking along. In the meantime start building some knowledge. It may take a bit of time but it will be worth it. But the basics should be accessible to everyone. There are many sources of information (of varying quality). Youtube, blogs, financial section of major newspapers, MOOCs, and last but not least books