Thank you for the advice. I have tried doing this in the past and end up spinning my wheels or causing frustration because I can’t identify hard set financial goals for myself. But restarting at step 1 and trying to lay out just a couple of goals is the best route and work backwards.

Thanks for the advice. Part of my concern/fear is not knowing what I don’t know in terms of things for the next 5-ish years.

But understood it’s not the right mentality to have a set ratio, per se.

My investment strategy is restricted due to my job. We’re prohibited from trading single name securities so ETFs/mutual funds/BDCs are the majority of what we can invest in. But I realize I could be more aggressive with what funds I choose.