I am 28 making $52,000 a year. I have about $19,000 in traditional IRA that I just rolled over from my old 401k and am going to max out my Roth IRA $7000 for 2025. Should I invest in 70/30 VXUS & VTI or do 33/33/33 VOO & VXUS & VTI or do 33/33/33 VGT & VOO & VTI? What are your thoughts?