My current FI date, based on current expenses and income, is in about 9 years. I don't really dislike work as such, but I'd like to do something I enjoy more and that has more ability to take large chunks of time off. As of now, my rough plan is to downsize career-wise in 5-6 years and leave BigTech for hourly or nonprofit work. Ideally, I'd end up working 75% time and take maybe 1% in withdrawals annually to help cover expenses. (I live pretty cheaply, so I could probably make it work without withdrawing, but I don't want to rely on that assumption.)
When I started up my investment accounts (401(k), Roth IRA, and taxable), I just threw everything into the Vanguard target date fund for my age group, as I hadn't really thought about early retirement yet. However, with the possibility of beginning withdrawals inside a decade looming, the current 90/10 allocation seems a bit risky. Obviously, I have a lot of flexibility- if the market tanks, I could just stay in my current line of work or work full-time doing something else, and not touch the investments. Still, without a 40-year investment horizon, being so heavily exposed to equities doesn't quite sit well with me. Thoughts?
(Also, if anyone knows of good resources about which assets to put in taxable vs sheltered accounts, please let me know- the ones I've found haven't been super clear/sensible)