I'd say having half your savings exposed to the S&P 500 index is just as much as being exposed to the stock market in any set of individual stocks, so we're rou

I'd say having half your savings exposed to the S&P 500 index is just as much as being exposed to the stock market in any set of individual stocks, so we're roughly in the same boat. That's a lot more exposure than most people I know IRL.