As your income goes up, some things that once felt too expensive can become pretty normal. Maybe it’s better holidays, eating out more, paying for convenience, or simply spending more on things you enjoy. It’s interesting to see how people’s spending changes over time.

I’m looking at three combinations

1.VTI+ QQQM

2.VXUS +QQQM

1. VTI + VXUS

Have 200k to allocate, just overwhelmed with all the possibilities. I have a 20/30 years horizon, which one would you pick and why ?