I’ve done enough homework and feel that I’m ready to implement the knowledge I’ve gathered so far. Plus, all the fees continue to increase. I’m ready to fire my financial planner (fiduciary) and go on my own. But first, I would appreciate your input. My funds with my advisor is divided between a Roth IRA, a traditional IRA (rolled-over old 401k’s from previous employers), and a TOD. Would it be wise to just dump it all in VFIFX? Or dump it all in VTSAX? (I already started a brokerage account 3 months ago and bought VTSAX as you had initially suggested to trial out, it’s up 7%). Or do you suggest a totally different approach? I also am shooting for FIRE (if this makes a difference at all). Thank you!