Don't be ashamed, I started my 401k less than 2 years ago myself.

The last job I had of over 5 years didn't offer any benefits and I simply didn't know any better. I am growing my 401k slowly, I am also now investing into VFIAX index fund (via Vanguard) and are also seeing positive results in less than 6 months. And I also have some $ in a high yield savings acct (4.30% apy), I can deposit or withdraw from this as needed while earning some interest. Looking into moving it to Webull though (they're offering 5% apy).

I try to advise others to do the same, after all, it's about our future and nothing is set in stone.