<prompt> Human: Alright new-time invester here. Inherited 100k. Been reading quite a bit, but still need some help. As of now I only have a brokerage and Roth IRA.Background info: - 32yo - 35k in Emergency Fund at Ally savings currently held in the 11month 1.75 no penalty CD - 15k in Cash - 100k in Money Market that I plan to distribute to below - Starting next year I will be making approx 330k before taxes currently making 75kMy plan is:Brokerage: - US Stock: 56k - 39k broad admiral - 17k small admiral - Int. Stock: 28k - 18k broad admiral - 10k small admiral - 10k in Tax-exempt Admiral Municipal Bonds VTEAX figured since I only have a taxable account and will be in the 35 bracket next year, this was a good move, but open to suggestionsRoth: - 5500 in REITs Next year I will have a 401k and will adjust accordingly. Open to all criticismadvice. My main questions... should I splice my USINT stocks or just do total for each?For US, I was considering VEXAX 30VFIAK70 OR just doing VTSAX For International...Im not quite sure what to do in terms of allocating. If I dont, was just gonna put it into the VTIAX.Assistant: Anyways, you all didnt give me much lol. I basically got lazy and just did 60k in VTSAX and 30k in VTIAX. Will put 5.5k REIT in my Roth. The other 5k will be cash.Will invest in bonds next year when I have access to a tax deferred account.  <response>: I think this is one of those rare cases where laziness paid off. I think you were trying to reinvent the wheel with your original post but this comment is simple and effective. 