Hey guys 20m here was looking over my retirement my funds and was curious your thoughts,I invest 8% into my Roth 401k through work with a 50 cents for every dollar match up to 8%.Then I invest another 7% into my personal Roth IRA which is split between 3 funds.VOO,QQQ,and SCHD.my 401k is a Target date retirement fund 2070.Thoughts on anything I should change?no intentions to touch any of this money until retirement