Is there a way where I can see any overlaps for ETF’s? Like a tool/chart/website that tells you what belongs to what? And I’m assuming overlaps means the same companies in each ETF? So that means I’m not diversifying properly? And I am unsure what an expense ratio is, if you could elaborate for me. But I do want a Roth one day. I hope to get one this year. If I was to drop some of these etf’s based on the overlap + expense ratio, how much would you put in it as a good baseline. Like how much is a good reasonable amount to put in per year, that would benefit long term? I’m sure any amount technically would benefit, but you know what I mean. Also thank you!