32 (almost 33) with $1.1M Net Worth – Next Steps?

Hi all,

I’m turning 33 soon and wanted some advice on my situation:

Net Worth: $1.1M

Investments: 100% VTSAX

Emergency Fund: $10K

Credit Score: 800

Debt: None

Living at home (low expenses)

I’ve kept things simple, but I wonder if I should diversify beyond VTSAX, consider real estate, or adjust for more stability as I get older. Any suggestions on where to go from here?

submitted by /u/assets_coldbrew1992
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