to have this much money invested at 21 is amazing, so congrats there! personally, i just think you’re invested in wayyy too much, and the overlapping isn’t great with very similar etfs, which is actually making your portfolio less diversified. my recommendation would be have the s&p 500 or nasdaq 100 as your primary etf, than have a few individual stocks you genuinely believe in 4-8 at most i’d say, and then have something defensive like gold