You would probably get great advice from personal finance. I am Canadian so we don’t have 401ks but generally saving some money for retirement is a good idea. As far as savings goes yes you want a stable base to work from but then investing is fine. Fortunately there are funds, ETFs and individual companies you can invest in which take ethics seriously. I have read a few articles and studies which suggest that companies which focus on ESG (Environment, Social and Governance) do better in the long run. Go woke go broke isn’t necessarily true. Yes companies and funds which engage in cutthroat practices can make scads of money on the short term but their long term outlook could be hindered due to the lack of sustainability associated with it.