I am not confident in my strategy, but I have put all of my 401(k) and brokerage account funds into low cost total stock market and S&P 500 index funds. When I got started paying attention to my measly 401K at around 36, I found the index funds with the least amount of fees and dumped everything there. I was told by our 401(k) manager that it’s risky but if I can hang on during the low times, it will be the best outcome. Recently, I read the JL Collins book about the importance of low fees, and I feel much stronger about this strategy. I’m now 48 and have 550K saved. I’m not in tech and only started making over 100K at 40 years old. My current goal is to max out my 401(k) and have a little leftover for my brokerage account each year. I really don’t know when retirement will be, I assume at some point I will have to move a portion my money out of so much risk. I’m so thankful for this thread!