Bogleheads.org

Emergency funds: 3.2 months

Debt: no debts
Tax Filing Status: Single

Tax Rate: 24% Federal, 9.3% State

State of Residence: CA

Age: 23 (person 1)

Desired Asset allocation: 85% stocks / 15% bonds
  Desired International allocation: 20%

Portfolio Size: $50K

Current Retirement Assets:

401k at Fidelity (54.1%)
    4.3% SSGA SM/MID CAP () (??%)
    32% VANG INST 500 IDX TR (02315M107) (??%)
    9.8% VG IS TL INTL STK MK (02315M206) (??%)
    8.1% VG IS TOT BD MKT IDX (02315M305) (??%)

HSA at Fidelity (7%)
    7% FDIC-INSURED DEPOSIT SWEEP (CORE**) (??%)

Taxable at Vanguard (8.9%)
    1% MICROSOFT CORP (MSFT) (??%)
    3.6% VANGUARD TOTAL INTL STOCK INDEX FUND ETF (VXUS) (0.07%)
    4.3% VANGUARD TOTAL STOCK MARKET ETF (VTI) (0.03%)
    0% Vanguard Federal Money Market Fund (VMFXX) (0.11%)

Roth IRA at Vanguard (30%)
    2.3% VANGUARD TOTAL INTL STOCK INDEX FUND ETF (VXUS) (0.07%)
    4% VANGUARD TOTAL BOND MARKET ETF (BND) (0.03%)
    23.5% VANGUARD TOTAL STOCK MARKET ETF (VTI) (0.03%)
    0.1% Vanguard Federal Money Market Fund (VMFXX) (0.11%)

Contributions:
Prioritized Investments:
$0 in Taxable

Available funds:

Additional Background:
I've been part of the Tech layoffs of Jan 2023, after working almost a year at my first job out of college. I wanted to review my plan, to make sure I'm moving forward in the best way possible.
1. I'll get salary until late March, at which point I'll reach my employment end date.
2. I'll get ~4 weeks of severance at my employment end date.
3. I'll get $1200 total towards Cobra, but I will go back on my parents insurance instead, and save the $$.
4. I have about ~5000 dollars worth of vacation days that will be paid out to me upon termination of employment
5. I'll apply for unemployment insurance at my employment end date. Using the calculator on the california state site, it said I'm projected to get $450 per week for up to 6 months.
6. My first year's RSU will vest before my employment end date.

Emergency Fund: have just over 3 months of emergency funds, for my decreased expenditure budget. When I calculate the items 1-6 from above, it will buy me another 10 months of runway while I search for my 2nd job. So I'm projecting to have 13 months of runway, without touching any of my portfolio.


Questions:
1.Any suggestions given my portfolio above, and my newly laid off state?

2.Job search starts after I decompress for a week. (Please let me know if you are looking for a front-end or full-stack developer working in the Bay Area.)

Tech old timer here. You’re fine. Start sending out resumes now, while you’re still employed, and you’ll probably have the next job lined up before you finish this one. Your old company won’t be surprised when you take personal time to go on interviews. They’re laying you off, that’s what they get. If you need some time off, tell the new company you can’t start for a couple of weeks after the first job ends. They want you, so they’ll be okay with that. The second job after college is easier than the first, because now you have some job skills you can talk about. Every time I got laid off, I had a new job lined up before the severance ran out. That was pretty typical for all the techies I knew.

As far as your portfolio, I would keep the vacation money and newly sold RSU’s in cash until I started the new job, then invest according to my asset allocation.