M33, incredibly unfulfilling but more incredibly stable job that pays enough to live frugally yet comfortably in a HCOL area. Largest expenses outside rent are in order student loan payments (always more than the minimum), healthy food, the joy of American public transportation, and contributions to building my HYSA 3 month emergency fund and finally stocks. No kids, job hours kill social life but hey less money wasted there.
Is the titular split good for now, or should I reallocate things to include US/ex-US bonds?
Shitty JH 401k through work gets the minimum needed for paltry $10 company match, right now it’s just VMFXX but was considering Vanguard Lifestrat 80/20.