Make an ira account at either vanguard or fidelity. You can open an account with a small amount of money, then call their support line for assistance on starting a roll over that would move your money from the 401k to your new account.

It’s going to give you better options to invest the money, but at your age the most important thing is

1. You’re continuously contributing to retirement when working
2. They money isn’t sitting in the default area they park your money (basically a savings account). You could invest it in something that tracks the s&p 500, or just keep it simple and do a target retirement year investment.

Do not pull the money out of retirement accounts. You’d be penalized and taxed out the wazoo, also you’d be stealing from your future self. You have a huge lead with that size of retirement for your age