It's more complicated than that. You probably don't want all your equity in stock, unless you're young and you're confident you can keep your strategy when the

It's more complicated than that. You probably don't want all your equity in stock, unless you're young and you're confident you can keep your strategy when the AI bubble crashes. And what do you do with the part that isn't in stock? bonds? what are they? which ones to buy? Even the 6-12 months of expenses in cash doesn't apply to all people. That being said, I agree with the bad and expensive advisors, but I think financial planning is hard, and you really need to educate yourself.