Hi, I'm 29, and I've been a passive investor up until now (my bad), but now that I have some income stability, I want to build a simple portfolio. I like the 3-fund approach, which has some international exposure, but I might not include bonds at this point (should I?). Right now, I've invested in VTI, VOO, and QQQ, but the international mix is missing. I'd really appreciate some advice on readjusting this mix! :)