80k to invest + no debt how would you invest it?

If you were in my situation how would you allocate it? I’ve been told that I should have VOO, SCHD and QQQM as a 3 way split. 28yr old btw. No debt whatsoever and definitely don’t plan on buying a house for a long time because my area is so expensive. My savings rate is very high ~60% living at home at the moment. Currently debating if I have too much in SCHD. Would like some real opinions on how one would invest in my situation. 50% is in a ROTH IRA and 50% in a taxable account. Although my ROT