I keep maybe 2 months cash and the rest 50/50 in VTI and SCHF, a very diversified low cost us and international etc, respectively. I'm early 30s so I don't anti

I keep maybe 2 months cash and the rest 50/50 in VTI and SCHF, a very diversified low cost us and international etc, respectively. I'm early 30s so I don't anticipate needing it for a long time. I would comment that for me 6 months sitting in a savings account is unnecessary as long as I have enough in a liquid wtf after maybe a 20% haircut. Selling the etf, settling and transferring would take only ~3 days so it's not so much having that money not doing anything but having it liquid. As for tech and finance specific exposure, I definitely try to remove exposure since my personal career is already correlated with that segment.