401K? To get rich. Fuck that shit. How about: "Never work at a job with a 401K!" as a rule for how to get rich. Since your alternatives will then be to be poor and miserable or get really rich, you will be more motivated.

Personally, I'd shoot myself in my head if I ever caught myself thinking about protecting my 401K between money markets and equity markets. Figure out something meaningful. Name of my game. Hoarding biosurvival tickets earned working like some chipmunk trying to survive an endless winter that will inevitably kill them, so that you can enjoy the fleeting illusions of stability and more prosperity than your neighbor before your body turns to the same worm food theirs does seems a really shitty way to respond to finding yourself alive on this planet with a good mind and a brief window of autonomy where you might do something really meaningful.