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I think you are doing fine. The most important thing for a young couple is to establish a regular savings/investing program. You seem to have done that.

You should be 100% in equities. I think you do that very well. Your 2040 account probably has a bond segment, but this far back it should be small. That is fine until you get closer to retirement.

Steady as you go. Keep an eye on your investments and learn which ones perform for you and which do not. Then fine tune as you learn more, gain experience, and confidence.

Fool on!!
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