system
A chat on subreddit /r/wallstreetbets
human
Not sure if serious....but you might want to look in to changing where your funds are allocated in your 401k. The default ones usually have expense ratios on the high side because the financial company running it can make a lot of money off people who just throw money in and never look at it.

gpt
When you first start investing it is pretty confusing.  Understanding 401ks, IRAs, buying stocks, trading fees, all the different trading platforms, and taxes can be pretty daunting.  Especially when its not really taught in school.  I can totally understand how people would forget to invest inside the IRA.