SCHG
Schwab U.S. Large-Cap Growth ETF
stock NYSE ETF

So your math:
Acct value is $27k, you say 10% ($2,700) is in cash and that's 2 years of RMDs so your current divisor is around 20 and your annual RMD is $1,350.
I don't think it's necessarily a bad idea to keep 2 years worth of cash, but sweep accounts are usually low interest. If you are not getting over 3% in the sweep account, I'd put the cash in SGOV, even though we're really talking about a smallish amount of money so it won't make a huge diff.
I think the allocation of 60/30 VOO and SCHG is fine, nothing really to argue about there.
Only thing I'd say is that if I'm correct about the RMD divisor currently being around 20, don't forget you have to empty the account by the end of year 10.
So if you're taking small RMDs, the account value could easily still be worth $27k or more in 10 years and if you've only been taking the statutory RMD amount in years 1 - 9, you'll have $27k+ dumped in your lap in year 10. Could have some tax consequences, but they probably won't be awful.

Just gonna keep buying no matter what and if it drops a lot, I'll buy more than normal.
People are probably all ditching for a guaranteed number for bond markets and whole that's cool and great and all for now, I'm assuming the qualified dividend and the growth of the dividend over time will get me to a point where it won't really matter what the bond market is saying at this day and time.
Granted there's probably better places to park my money in the short term, which is why I'm adding to more positions as well (General SP or SCHG or whatever compounders are down)
If the goal is to retire with SCHD and other dividend positions, then I dont really care what the bond yield is. A fairly safe ETF that's growing dividends and paying over 3% feels pretty good to hold at a time when private equity is ruining everything and the SP 500 is propped up by what can feel like hype and hope for AI spending to actually pay off and be profitable and not just become another way to Google stuff.
My SCHD will pay me dividends if we hit a period of poop pants in the stock market because, realistically, it sometimes just doesn't make sense to me how things can keep growing like this forever without some kind of consequence. I don't know.

SCHG

we own a bit over 10,000 shares of QQQI in my regular brokerage account and use the tax deferred $6,500 each month for living expenses and travel. our combined SS is less than $3,000 so QQQI is a big help. in a few years our RMD will kick in so we should be quite comfortable. The tax deferred benifit should continue through 2033. I intend on passing this on to my heirs and the can sell or get a step up in basis and start the whole process again. We specifically chose QQQI for the tax deferred dividend.
We also have VOO, SPMO, SCHG, QQQ and various stocks that we let grow and compound which can be sold and used if needed. Don’t put all your eggs in one basket!

My wife inherited a traditional IRA, subject to RMD's and account being drained in 10 years, its not a ton of money like 27K and we really dont need it, we are both 55 and my question was I have it invested in 60 percent VOO 30 percent SCHG and 10 percent cash sweep, my thinking was that I dont want to have to sell shares in a down market, so I would keep 2 RMDs liquid, does that seem like a logical strategy with respect to the RMD's not my allocation

So your math:
Acct value is $27k, you say 10% ($2,700) is in cash and that's 2 years of RMDs so your current divisor is around 20 and your annual RMD is $1,350.
I don't think it's necessarily a bad idea to keep 2 years worth of cash, but sweep accounts are usually low interest. If you are not getting over 3% in the sweep account, I'd put the cash in SGOV, even though we're really talking about a smallish amount of money so it won't make a huge diff.
I think the allocation of 60/30 VOO and SCHG is fine, nothing really to argue about there.
Only thing I'd say is that if I'm correct about the RMD divisor currently being around 20, don't forget you have to empty the account by the end of year 10.
So if you're taking small RMDs, the account value could easily still be worth $27k or more in 10 years and if you've only been taking the statutory RMD amount in years 1 - 9, you'll have $27k+ dumped in your lap in year 10. Could have some tax consequences, but they probably won't be awful.

Just gonna keep buying no matter what and if it drops a lot, I'll buy more than normal.
People are probably all ditching for a guaranteed number for bond markets and whole that's cool and great and all for now, I'm assuming the qualified dividend and the growth of the dividend over time will get me to a point where it won't really matter what the bond market is saying at this day and time.
Granted there's probably better places to park my money in the short term, which is why I'm adding to more positions as well (General SP or SCHG or whatever compounders are down)
If the goal is to retire with SCHD and other dividend positions, then I dont really care what the bond yield is. A fairly safe ETF that's growing dividends and paying over 3% feels pretty good to hold at a time when private equity is ruining everything and the SP 500 is propped up by what can feel like hype and hope for AI spending to actually pay off and be profitable and not just become another way to Google stuff.
My SCHD will pay me dividends if we hit a period of poop pants in the stock market because, realistically, it sometimes just doesn't make sense to me how things can keep growing like this forever without some kind of consequence. I don't know.

SCHG

we own a bit over 10,000 shares of QQQI in my regular brokerage account and use the tax deferred $6,500 each month for living expenses and travel. our combined SS is less than $3,000 so QQQI is a big help. in a few years our RMD will kick in so we should be quite comfortable. The tax deferred benifit should continue through 2033. I intend on passing this on to my heirs and the can sell or get a step up in basis and start the whole process again. We specifically chose QQQI for the tax deferred dividend.
We also have VOO, SPMO, SCHG, QQQ and various stocks that we let grow and compound which can be sold and used if needed. Don’t put all your eggs in one basket!

My wife inherited a traditional IRA, subject to RMD's and account being drained in 10 years, its not a ton of money like 27K and we really dont need it, we are both 55 and my question was I have it invested in 60 percent VOO 30 percent SCHG and 10 percent cash sweep, my thinking was that I dont want to have to sell shares in a down market, so I would keep 2 RMDs liquid, does that seem like a logical strategy with respect to the RMD's not my allocation

Since you are lost, you might want to look into dumping that $170K into an ETF, such as: SPMO, QQQM, VUG, SCHG, etc. Then you can take your time in learning how to analyze individual stocks (if you so choose).
I would wait to buy a house. Just find a cheap place to live that is safe. Dump your money into investing and don't worry yourself with all the costs of owning (Property taxes, Insurance, repairs, maintenance, etc.). Give yourself a goal to double that $170K in 7 to 10 years, then look into buying a house.
If you do buy a house, then do so with the idea that you will rent out the other rooms. This is known as "House Hacking." Back in 2001, I bought a 3/2 1900 SF house (I was renting 1 of the rooms). My mortgage payment was $834/mo. I rented the other 2 rooms at $350 each. You could easily command $800 - $1000 per room in a house today. Imagine doing this for 7-10 years while you build your investment portfolio. If you decide to move, then you can rent the 3rd room for more income.
As long as you truly research your options, then whatever choice you make will be the correct one.
Wishing you all the best!

I personally prefer IXN over straight VOO because VOO is S&P 500, which means only US companies. And I believe tech is still going to dominate in the next 5-7 years.
IXN is more like the VUG/QQQ, but with international exposure. So comparing the top holdings, NVDA is 13% versus 8%, AAPL is 12% versus 7%, MSFT is 9% versus 6%, and TSMC is 4th at 4.5%, versus the next holding in VOO is AMZN at 3.8%, and then Micron at 4.4% versus GOOGL at 3%. In IXN, down at 8 through 10 is Samsung (3%), SK Hynix (2.8%), and ASML (2.4%). None of these are in US only indexes.
So I would have a mix, with IXN, SCHG (instead of VOO), and maybe TLT.

Questioning the valuation is fair but SCHG follows a growth index with several selection factors it does not just buy whatever has the highest PE I would save short term price guesses for bets on moon and judge the ETF by whether I wanted that growth exposure for years a bad few months would not answer that for me

Mostly yes, but SGOV making up almost 40% of your dividend income is the thing I'd look at. It's basically cash parked in T-bills, and DividendsIQ rates it low risk, but that yield of around 3.68% is only there because short-term rates are high right now. If rates come down, that chunk of your income shrinks fast.
SCHD, DVY and VYM are doing what dividend funds should, with high quality scores and low risk. VXUS payouts jump around a lot, so I wouldn't count on it for steady income. SCHG and SPYG barely pay anything, which is fine if you hold them for growth. One thing to double check: VOT is Vanguard's mid-cap growth fund and yields well under 1%, so if you meant the total market fund, that's VTI. Whether this setup works mostly comes down to whether SGOV is a long-term income holding for you or just a temporary spot for cash.
Full disclosure, I work on DividendsIQ (dividendsiq.ai).