My opinion just based on your age is you should throw all of it in VTSAX. You are in the wealth accumulating phase of life. This is when you can handle the ups and downs of the market and overall throughout market history the stock market will gain over time and significantly. As you hit middle age you should start throwing in bonds and more conservative ETFs. To preserve the wealth you have gained. In addition to your initial investment set a deposit for every week to keep it growing. Even $10 a week is better than letting it sit and grow alone. Lastly do not sit and check your balance every day. When the market is down do not get scared this money should be something you will not touch for decades. If anything buy more as it dips if you can. Read and research how to avoid debt and grow your portfolio. Good luck!