As the title states, I’m a 22 year old new college grad and trying to make the right decisions for my financial future. I currently have $20k in my Roth IRA with about a 70% QQQ / 30% VOO split. My logic is that I have plenty of time to ride out downturns in NASDAQ and also shift significantly towards VOO/VTI as I age. However I am also aware that this appears to be unconventional, and am wondering if this goes against what would be considered good practice.
I am also just seeking general advice for someone in my position at the beginning of their career. Outside of my Roth IRA I have established a $20k emergency fund (held in money market funds) in a taxable brokerage account. I am starting a job making $80k/yr with a 100% employer 401k match up to 10% of my salary. They also offer a HDHP with ~$1.3k employer contribution to an HSA. My understanding is that this is a good starting position and I would like to make the most of it, so any pointers are much appreciated.