VOO
Vanguard S&P 500 ETF
stock NYSE ETF

For the geniuses suggesting that you invest internationally or more broadly than strictly in VOO, the top 500 US companies are already well diversified internationally, so you are getting exposure to global markets even just buying VOO. Spend just a few days tracking global index funds and you will see that when US stocks are weak, there is not much in the way that will hold up x-us stocks, if the US enters an asset winter, the entire world will as well. Might as well leave your capital where the strongest markets are which in this case is still VOO.

100% unless your rate is below inflation, paying that off is 1000000% the right thing to do. Then that monthly you would be spending, can go right into VOO/VTI

I place them in VOO, if everything goes red, VOO drops less than individual stocks, I’ll buy the blood for overbeaten stocks accordingly

Isn't SPYM similar to VOO but a cheaper price?

Sell all 30000. Save that 962K while you can. Buy SPY, VOO, IVV, XLK, QQQ, SMH. Don't open your portfolio next one year. Thank me after 1 year.

His best trade now would be going all in on VOO or something lol.

That’s way too much money in the money market. You need enough to cover emergencies, say $10k, but the rest should be invested. If the advisor won’t do it, that’s a serious problem. Regarding the advisor, SOXX has had a great return but it’s focused on semiconductors. That’s fine, but you could benefit from diversifying into VOO at some point. And you do pay for his services which might not seem like much now, but will be once your account gets over $500k. So essentially, get all but $10k moved asap from the money market into SOXX or whatever.

A little over two years. I think with 70/30 VOO/VXUS.

VOO all the way

About to dump all my VOO. It's so lame lately.

It would be easier to buy SPY, VTI, or VOO, than to pick just the right non-tech stocks

VOO

Your dashboard looks incredible.
Are you tracking your Total Return (including NAV erosion and taxes) against a simple baseline like VOO or QQQ over the same timeline?

VOO, then hold for Until you’re 65

Not recently, for decades, just like VT and all the others. But also, it cost OP exactly $0. I understand this is a boglehead sub, but these aren’t OP’s retirement funds. It’s a gift that he can be as aggressive that he wants with.
And by your argument, VT, VTI, and VOO have done well for decades, so continuing to invest in them must be a straightforwardly terrible argument. It’s also true that people who add needless complex adverbs to weak arguments are generally unlikable pedants who think they’re smarter than everyone else because they know big words.

The interest income is from high yield savings account. I used to keep half of my holdings in cash. But, I got tired of paying huge taxes on the interest income. Over the last two years I have been moving my cash into stocks. Focusing on stocks that pay good dividends. Somehow MO was my favorite for a while. Not only am i up on it over 50%, i also get an amazing quarterly dividend. I am also in a unique situation where i can retire from my job next year when i will be 47. I wanted to supplement what i will lose from my job through dividends (i will have a decent pension). That is when i started putting some of my new investments into SPYI. However, i am now all in on SCHD and VOO moving forward with new investments. Hopefully this makes sense.

A true boglehead. One brokerage for VOO, one for VXUS and one for BND. Ha!

I don't hold anything in a taxable account so I don't have to pay taxes on any dividends nor any shares I sell on growth so there is no advantage.

I don't live in the USA so to buy any USD currency stock/etf I have to pay a currency conversion fee. If the currency conversion fee is 2% and I want to buy $1000 (non USD currency) worth of VOO I would end up paying $20 in fees to buy $1000 (Non USD currency) worth of shares. Now since I use my investments since day 1 that I started investing to pay a portion of my bills that would meen to sell shares of VOO I would have to sell about an extra 2% more shares that I want just to pay the same amount. Another advantage is with less money needed to be invested to have 100 shares I can write covered calls against my holdings and collect the premiums and have a super low chance if them getting called away thus letting me to get a higher return per year than just holding and Index fund.
Yes dividends reduce the value of the stock but since day one that I started investing I use the dividends to pay for some of my bills every month. If I was to do the same with a growth fund it probably wouldn't last very long. I was forced to move into far more expensive housing that it makes paying bills very hard so I have to depend on a very small portfolio to bridge the gap with my current income and don't have the luxury to invest and wait till I am 65 years old.

It's not horrible but definitely below average for that time period. I pulled in 15.21% and my investment portfolio is fairly moderately risked. S&P500 did about 16.5% in that same time.
I'm guessing that your majority is NOT in the index funds you have listed? I assume because most of those should have been well over 10% except MS and Tempus.
Focus on the Index funds and, as another commenter said, check out https://www.bogleheads.org/forum/
You also have 4 funds that basically have the same things: VOO, SCHWAB S&P 500, PREIX, and the first half of SCWAB 1000. Of the 4, I'd stick with VOO.
You also need to be careful of funds that have a "Schwab Transaction Fee". That means they are charging you $75 for every trade of that fund. PREIX is one of these. No reason to pay that when VOO is the same index with the same 0.03% expense fee. Or drop into SPYM (also a SP500 index) for a 0.02% expense.
One thing I see you doing right is consistent deposits. That's key. whatever you can put in, whenever you can put it in, helps tremendously. Due to the compounding effects, if you keep this up and invest in a few index funds (and don't touch them!) then suddenly you'll have a LOT. I only had 10K pre-Covid and knew hardly anything about stocks. I started pumping in money in March 2020 and learning about investing and trading and suddenly, 6 years later, I'm only 2 years from retiring at age 50. IOW, keep it up! A 10% return is better than no return.

with a $50–$100 paycheck add‑on I’d usually put the bulk into a low‑cost S&P 500 ETF like VOO or a tech‑heavy one like QQQ, then split a bonus into a solid dividend fund like SCHD or a global fund like VT. Use Fidelity or Schwab for auto‑invest and, if you’re under 50, a Roth IRA; otherwise a traditional IRA. Dollar‑cost‑averaging keeps it simple, and over 3‑6 years you’ll still benefit from the broad market rally while the dividend piece offers a little buffer against volatility. If you’re open to a growth tilt, a handful of high‑quality tech names like MSFT or a robo‑advisor portfolio can add upside without a big time‑out. the key is consistent contributions and sticking with it.