I recently did some rebalancing after turning 38(single). In my Roth 401k of 280k, I currently have 55% in an S&P 500 index fund, 10% in a 0.03ER US mid-cap blend index fund, 5% in a 0.02ER US small-cap blend index fund, and 30% in a 0.06ER foreign large blend "NT Collective ACWI ex US IMI DC NL CT".
In addition, I have a Schwab Roth IRA of 360k with 65% VTI, 15% VXUS, 10%AVDV.
Current salary is around 105k and annual spending is around 35k.
I'm contributing 15% to Roth 401k (company matches 5% which is traditional) and the max yearly to Roth IRA.
I have 50k in T Bills at Treasury Direct but am thinking of lowering it to around 30 in sgov or vbil then put the other 20 into VTI/VXUS and add to this as I have extra money above what I keep in my savings at the bank (usually 10k).
I'm thinking this would simplify my accounts.