u/Citty_Ditty_3

I’ve got $228,631 as of 5/1/26 and am 40 years old. Married, two kids with last one at 4 more months in daycare at $1,400/mo, own my home, roughly $10k in consumer debt at 0% interest that will be paid off by end of 2026. I’m on track to max out my 401(k) contributions in 2026. 100% is going to a Vanguard Target 2045 trust. Any advice on my investment allocation?