40 years old with $9k/mo in combined retirement and disability, which increases approximately 2.5% annually. Loosing that income is very unlikely, it will stop if I die, but have term life insurance to cover my family in that event. I'm still working, current income is strong, projected to get stronger, and invest a 70/30 split between VTSAX & VTMGX. Am I safe eliminating bonds and sticking with my current two fund strategy? Missing anything by skipping bonds?