As someone who’s 24 with about 40 years to retirement, is VTI still the play? New to investing, started like 2 weeks ago. I’ve researched and noted that VTI offers the most diversity. I do majority VTI, and some VXUS. Given the state of the United States, is VTI still safe for the future? Or should i be looking into others things like gold? Seen a lot of doom and gloom regarding the US, and its potential loss as a world power.