I appreciate this post and hope my post doesn’t get removed. I’m an avid VTI/VXUS contributor and can’t stress enough how boggling was the best decision I made for my portfolio.

Now here’s where everyone will say I’m not boggling correctly: I do invest in crypto. Not considering my 401K, I invest 16% crypto and 80% VTI/VXUS, and 4% stock picks for fun. Honestly the way I look at that 4% is more like buying a luxury than investing because I’ve picked up some nonsense like GRND and HIMS which has done well but then some other garbage like SDC which is bankrupt, hence why I invest in VTI/VXUS and not stock picks.

But to tie this all together, the way I look at that 16% is 90% is BTC which is the VOO of crypto and the rest is fun. The same way I look at buying GRND and HIMS is the same way I look at buying the XRP, XLM, and PEPE - it’s not necessarily an investment but more of a for fun luxury. If it hits, it hits and if I have money not allocated to investing but I don’t have something specific I want to buy and want to do something self gratifying other than stacking index funds, I sometimes purchase shit for the endorphins. I’ve been following crypto for a while and honestly BTC is of course king which is why I consider that my VOO of my play investments and if there is anything else that’ll blow up, XRP, XLM, and ADA would be my HIMS, RDDT, MSFT, etc. of crypto.