Thanks for reading and sharing these funds! This is awesome, I love it – keep it simple and smart. I've got VFIFX for retirement as well.

Just looked up VFIAX vs VOO and VTIAX vs VTI to see the differences, and actually the differences are negligible, which is kind of nice to see. You can't go wrong.

Also, you better believe I've been finding great bogleheads forums on all this. Thanks for the recommendation on that!