Welcome to the forum
Its great that you're starting young, and have no consumer debt. Your initial choices for reading were very good. I don't think you did any damage by your rushed choices. You are doing a good job saving. You are wise to be a fan of total market type funds.
The first thing that jumps out is -- investigate refinancing the mortgage, you should be able to get a significantly better interest rate. (Thats if you plan on keeping the house.)
Desired Asset allocation: 80% stocks / 20% bonds
Desired International allocation: 25-30% of stocks
In my opinion your desired asset allocation is within the range of what is reasonable.
When that $30k CD matures -- add $3-4k more to your emergency fund, max out the IRA ($5.5k/yr) and put the rest in the taxable account.
Your portfolio could be something like this:Taxable account @ Vanguard
60%, $19.5k, Vanguard Total Stock Market Index Fund Admiral Shares (VTSAX), er = 0.05%
20%, $6.5k, Vanguard Total International Stock Index Fund Investor Shares (VGTSX), er = 0.22%IRA @ Vanguard
20%, Vanguard Total Bond Market Index Fund Investor Shares (VBMFX), er = 0.20%
The bond fund goes in the IRA because that is more tax-efficient, Wiki article link: Principles of Tax-Efficient Fund Placement
The Total International fund is suggested because it is the most comprehensive, it covers developed markets including Canada, it covers emerging markets, and it includes int'l mid caps and small caps.
I suggest keeping it simple, with just a 3 fund portfolio to start -- Wiki article link: Three-fund portfolio
; and discussion viewtopic.php?f=10&t=88005&newpost=1506953
For the emergency fund look at an insured savings account at a local credit union, for ease of access and a little better rate.
I hope that this helps.