Am I doing this right?

First time posting here and seeking some guidance, so please bare with me. I started later in the long-term investing for various reasons (financial illiteracy, financial limitations, and bad financial choices in my 20's and early 30's). I know that that is detrimental to my future gains and retirement goals (have to play catch up)! I am currently 41 and contribute to both a 401K and a personal ROTH account. I didn't really know what I was doing when I started and still feel a bit lost, but I have taken investing seriously in the last couple of years. I would ideally want to retire by 55 but that does not seem realistic. My current investments in my ROTH account ($60K) are: 73% VOO, 17% SCHD, 7% SCHG (newest addition). I have maxed out my ROTH every year for the last 4 years, and plan on buying more VOO and SCHG for the next decade and just let the SCHD shares DRIP. Once I'm in my 50's I plan on focusing more on SCHD and a good bond ETF. My current investments in my 401K ($48K): 40% FXAIX - Fidelity 500 Index 30% FSPGX - Fidelity Large Cap Growth index 20% VWIGX - Vanguard International Growth 10% MADFX - Matrix Advisors Dividend. I plan on significantly increasing my contributions beginning this month since I only have been contributing 4%, which is the same amount that my employer matches. I also have about $6K in crypto (BTC and staked ETH), and $75k in a high yields savings account. I also opened a taxable brokerage account, but haven't added any stocks or ETF's in it. I realize that there is some overlap and that they are better ETF's to invest in. I would like some guidance on the best way to re-balance my investment accounts. Thank you and all replies are greatly appreciated!