system
A chat on subreddit /r/wallstreetbets
human
Oh fuck I just started my IRA a month ago and didn't know that. I'm 23, so don't laugh too hard. Had my 401k going for over a year before that.

gpt
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.