@parman_the YMMV as wife &amp; I are happily retired:
Between my wife &amp; i we have 2 x stock-based IRAs, 2 x stock ROTHs, 1 x  ROTH, and 1 x Crypto IRA (in process of converting over next ~3yrs to Crypto ROTH). Of all that? About 60% is in   (60% of that in  ).