Don't know where to put money

My husband and I both went through life-altering events and came out broke about 10 years ago. We've worked hard to save and have no debt besides the mortgage. We're retiring next year. We have ~$200,000 in home equity. We have $300,000 in high yield savings accounts at 3%. We have combined 401k value of ~$160,000. I know the savings accounts are not the best place to put money, but I'm terrified the AI bubble is going to break the stock market and we'll lose all the savings. What should we do?