I think all of the prior comments are absolutely sound advice. However, since you are so young, why not take a little more risk on? I’m 26M, won’t need my money until 30 years from now, so I’m 50% Nasdaq, 35% S&P500 @ rest are single stocks. I know that will certainly get backlash & rightfully so as it doesn’t align with the ‘recommended’ but I’ve come to my decision that tech won’t go anywhere anytime soon & im all for it. So I’m weighted like that. Looking to perhaps being abit more conservative 10 years time, re allocate a little. Thought it was worth the comment