Is there a reason you are so low in international stock?
No, not really. I only recently added it in and since I didn't have a good reason for or against, I started small.
Um, so you have bet it all on red so to speak.
yes, but to be fair, all on red is still pretty diverse when based on VTSAX and VIIIX.
Not a great choice for someone so close to the finish line.
I'm bucking the trend a bit here, for sure. I justify it by considering that I've only been aiming for FIRE for about 4 years, so the other way to look at it is that I'm halfway there and trying to make up time.
Since the impact of the risk is just having to work longer at a point where my career will likely still have potential upward trajectory, I've accepted the risk. I'm posting here to validate my reasoning and really determine if I'm truly ok with that risk. I
think I am.
You should be transitioning to the kind of portfolio you wish to have in retirement. Do this gradually, starting to make changes now.
I assume that post fire I'll be looking at a more traditional 20% bonds, 80% stock plus some other income streams such as real estate, business investments or some contract work. This is all TBD as I'm only starting to think about what that would be.