Like one of the other replies mentioned, when you get closer to retirement, more of the money should get shifted from stocks to more stable but lower return investments like bonds and such that are not affected by a stock market crash. Usually you can set a retirement age in the management portal of your 401k and the management company in charge of your 401k uses it as a guide to move the money into the more stable investments.

I use a Honeywell Z-Wave thermostat with Home Assistant. All local and I not only do I have schedules based on time of day, but it also adjusts the temperature based on if people are home or not.