Right now most of my net worth (50%) is in my primary residence. I own it outright and am looking at a HELOC to hedge my risk.
Another 25% is in cash between 5 different banks mostly chasing interest rates.
The other 20% is in brokerage, a ROTH IRA and 529 accounts. I have no idea how to “invest” in the stock market so I just bought target date retirement funds at Vanguard, and set the 529 accounts to an aggressive investment strategy.
The last 5% is in radically varying accounts. I have money in a Robinhood account, some parked in Kiva Loans, some LendingClub, you get the idea.
I don’t really have any major concerns about how my worth is allocated although if I can get a 90% LTV HELOC I will absolutely do that. If tomorrow my residence is worth 50% less, I would like to have the option of walking away with a wheelbarrow of money and letting the bank eat the loss.