I guess to answer your question, I just look at our funds as being at separate institutions and different parts will be utilized at different times in our lives. To Clarify:
my 401k - fidelity.
my roth - fidelity
wife roth - fidelity
I consider our savings at VG the portfolio that we will use to ER. The Fidelity funds (in my mind) are "later in life" funds, or long term investments not needing to be touched for decades, or also, the unknown SHTF (Sh*t Hit The Fan) curve ball no one ever plans for.
Our ideal plan is to require only VG as our source of money. When SS arrives that will just be a welcome bonus. A raise if you will. And lastly, the fidelity funds will be our 'security blanket' so we sleep well at night. We have 1 son, 5 years old, with no more kids in our future. I'd love to leave him a nice nest egg.
We both will ER at 50 when son graduates high school. 13 more years and counting
I will possibly still work 1 or 2 short days a week for a while since I just absolutely love what I do for a living. Maybe I will just take a summer work contract in Hawaii or something. But otherwise, we plan to be FI by 50. We are both healthy and active, love to travel, and intend to maintain our lifestyle in retirement.
Am I looking at our money the wrong way?