Did I mix up where I should save my money?
I've posted here a couple of times already since I'm new to all of this, but I wanted to make sure what I have set up is fine. Currently in my taxable account I have ~$20k in VUSXX. I'm using it as my HYSA. The vast majority of the money in VUSXX is an emergency fund but I've also set up recurring investments to start saving for next year's Roth IRA contributions as well as a car I may be purchasing with in the next few years. I placed ~$45k (which is the rest of my savings that I didn't put into VUSXX and my Roth contributions for this year and last year) into 60% VTI and 40% VXUS.
I'm 26 and single and I quite literally just moved out for the first time into an apartment after living at home after college. Homeownership might be a ways away from me at this point but a few of my friends are buying homes although they make than I do. That said, as far as I know, a home is the next large purchase I see in my future. Should I have put more money into VUSXX for a future home down payment rather than into VTI and VXUS? Part of me thinks I should have since if I decide to buy a home in five years, for example, I don't know if I want to take the risk of making sure my money in VTI and VXUS hasn't tanked at that moment. But since I don't have a rigid goal of when I plan on purchasing a home maybe it's fine to let it sit in index funds and grow for some time and just use it farther out into the future.
I make ~$43k a year now and like to think I live pretty frugally. Any insight or advice into how to go from here or what your thoughts on my setup so far would be much appreciated. I initially thought I was doing alright with this setup but I'd like a second opinion. Knowing myself, I'm probably overthinking it but when it comes to money I like to be careful about what I'm doing with it.