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What’s the downside to investing everything into VOO and VTI?

Y
Jan 8, 2026 · 02:11

Me (25M) and my wife (28F) have no debt except our mortgage which is $1,821 a month and then our bills/insurance. We around $10,000-$11,000 a month and have $30,000 sitting in our savings account from selling our first house rn. I receive a 2% raise every year and a few major bumps here and there to account for the market in my career, while her business is steadily growing more and more (she makes almost double what I do). We plan on doubling our mortgage every month towards the principal with an extra $1,821, then use an extra $2,000 a month to invest, and use the rest on wants like renovating our house, traveling, ect and throwing whatever is left for the month in a HYSA. The goal is the hopefully retire within the next 20 years and living off of our investments and my wife’s business while she takes a back seat and lets her employees bring us income (she co-owns a dog grooming and boarding business but just hired 2 more groomers) and slowly move a percentage of our investments into bonds as we get closer to retirement.

I’m still in the beginning stages of my research on investing but basically my question is, would just investing the $2,000 into VOO and VTI right now be good for our situation and goals?