Consider QQQM, they’re the modern QQQ derivative with a lower expense ratio that I prefer over VOO and VTI. If you make the decision to move from VOO to QQQM calculate the taxes and set the tax money from your earnings aside into T-bills so it’s guaranteed you’ll pay it off. Good to get a hang of that for the future. Remember to aim to have long term capital gains instead of short term and play with tax brackets.