I wish I understood investing enough to feel confident with it. Most of my 401k is in stocks and I don't worry about it because - as you said - I won't be drawing it for over 15 years. But it would be nice to be able to do something extra to take advantage of things being cheaper. . . . now if only the cost of groceries and gas would go down also. . . . . . . . . . PS welcome to Medium!