u/Cool-Alfalfa-2462

Hi 28M, open to advise on more possible ways to diversify & accumulate wealth. The following are my numbers:
> cash in bank: $20k ish
> digital assets: $7k USD
> ETFs: $48k (can liquid anytime, no fees, $300 every month)
> retirement plan: $61k (11 more year holding, 16 year maturity, $9,600 annually, 30% growth so far)
> gold: $2.4k (DCA $500 every month, just started)

Possibly thinking of different portfolios.

Upcoming expenses:
- wedding in 11 months time
- BTO downpayment in 16 months time

Thanks in advance!