So, I've taken swings at options and realize that I'm just terrible at them. I'm also in my late 30s and figure that continuing to act like a WSB monkey isn't really going to help position me for the future, given my penchant for making terrible decisions.

I have an employee stock purchase plan for my company. It's allowed me to purchase stock at a discount, but I don't want to have all my stock in one basket. It's through Charles Schwab, and when I spoke to them, it seemed that it would be possible for them to buy/sell or convert my monetary amount of company stock into others.

Looking through this board, it seems that an 80/20 or 60/40 split of VTI versus VXUS seems to be the best option, but I want to make sure I'm actually reading that right before I make any decisions. Do I have the right idea? Am I going to be sitting myself up for something bad related to taxes in the future?

Thanks for your help and advice.