<prompt> Human: Hey Guys,You helped me straighten some things out not too long agowhich I greatly appreciateand I wanted to ask some follow-up questions now that I have a few different investments in place. Currently, heres a snapshot: 31 years old, unmarried. No debt except a few more months of a modest 250 car payment. 107,500 annual salary. Extremely high-cost US market. Excellent credit. Employer-matched 401k maxed 50 of 6 for the past 3.5 years in a target date fund. 10,500 in Vanguard Roth IRA, all VTSAX Vanguard Total Stock Market Index Fund Admiral Shares. 10,000 in checking account. 50,000 in online savings account with 1.5 interest part of this would be my emergency fund. 15,000 in regular savings account. I just dropped an extra 15,000 into a Vanguard Taxable Brokerage Account as a non-retirement investment, say for the next 10-20 years. Im trying to figure out the best asset allocation. Conventional wisdom implies that a regular three-fund portfolio is the right move, but how do I figure out the proportions with these different types of accounts? For example, most advise having some money in bonds for safety, but does my 401k TDF cover that already? How do you handle the overlap? Should I then just split that 15k in VTSAX and VGTSX the international equivalent? Just wondering what the most strategic way to handle this is. TL;DR: 401k is a TDF, Roth IRA is all VTSAX, what should be in my taxable brokerage account, and why?  <response>: 10,000 in a checking account is a lot unless youre going to buy something expensive like tonight. How much of that 50K is your emergency fund? Whats the 15k in savings for? 