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Help me re-balance my portfolio: 31F, single, hoping to buy a home in VHCOL area in near future but also work as little as possible?

G
Apr 22, 2026 · 20:02

Hi! Here are my rounded current Vanguard holdings, my life status, and my future goals:

Mutual Funds:
VSEQX: 34.3%
VWNAX: 14.1%

ETFs:
VXUS: 29%
VUG: 15.1%
VTI: 7.3%

Current portfolio totals $548,294.61.

I'm 31, currently single, but will likely marry in the next two years or so (partner makes \~$115k a year but is much more of a spender than me). We would like at least one kid.

I've started my own business in the last year in hospitality/travel; if I grow it wisely, it's possible it will bring in \~$100k/year in maybe five years' time. I have two HYSA totaling \~$506k. My AGI is \~$46k. I realize this is low, but I earned most of my money as a kid (long story), so I am kind of just enjoying my part-time gig/growing a new business for now.

Ideally I'd like to buy a home in a VHCOL area, but I am flexible (e.g., willing to fuck off to Europe with dual citizenship opportunity). Basically I just want to live reasonably and comfortably, and hopefully work as little as possible (or at least not for The Man in a 9-5; had that once, hated it).

I'd like to be more aggressive in my portfolio holdings to allow for the (admittedly nebulous) plans and dreams above.

Any ideas for what to invest in? Thank you!