I'm curious to see others thoughts on this as this is what I'm doing too. To me it's already diversified. If there's a US meltdown in the future, I fail to see how International will do better. The world is so tied to US companies as of now. Over the past 100 years or something, stocks have went down 25% of the years and up 75% of years. My feeling is worst case once I retire or want to retire, if we're in a situation like we were this past year, I could cut spending and get a job as a Walmart greeter or whatever to get a little extra income to not tap into investments for that down period more than necessary. Interested to see what other say on this.