I understand the Boglehead conventional wisdom is to place bonds in tax deferred, Roth in tax free, and foreign investments in taxable. However, I still have 30+ years until retirement. To me it seems sensible to have a greater bond allocation in my taxable account since that money might be needed within the next 30 years. I know it’s not the most efficient asset location strategy, but I think time horizon is an important factor. Does this make sense?