Just turned 59 and have finally paid off home, debts and put aside my 5 year emergency fund. I don't have a ton of years left for investing and "corrections" in bad market conditions. I am retired although I have a small business bringing income now. I have a Roth IRA that I will fund first, and then my taxable brokerage account. My emergency fund is at Schwab in their money market. I made my first 8k contribution to my Roth in 2025, but just have it in the same Schwab money market in there.
Should I put additional money saved each month into VT? Or at this point should I just be in a high yield savings account.?