I make only suggestions to family members about their 401k's.

My stepdaughter has several thousands left in her Army 401k
and a few more thousands in a 401k from her last job.
Wife has a big fat one from her employer.
I think it has quadrupled over years.

I have only said to not cash in at this time.

And I volunteered 'if Trump is about to leave office
by hook or crook to sell before that'.