I take the same approach of a diversified, low-cost ETF portfolio, but a different allocation than you have. Googling for "lazy portfolio" is a good starting po

I take the same approach of a diversified, low-cost ETF portfolio, but a different allocation than you have. Googling for "lazy portfolio" is a good starting point to find out more about this. In general, I prefer to think about "saving for the future" instead of "saving for retirement". You never know what's around the corner and what you might need, so having a buffer when you need it can make your life a ton easier.