@FD1000: You can sit there and blather whatever you want. It doesn't change the fact that coming from middle-class families with little inherited wealth we can now sit here without any financial worry, and that our American Fund financial advisor played a significant role in that.
American Funds never charged any load when selling and reinvesting in a different fund. You would have us believe that you know everything about everything, but your world view is so self-centered that all that you accomplish is pomposity and arrogance. Hubris... how pathetic.
But I'm pretty sure that many others have already commented on that.

So an unknown number of Californian tax filers are going to have a big tax bill coming due on Oct. 16, 2023, as they have to file their 2022 returns plus put together what would have been all of their quarterly estimated payments that they have not had to make thus far during 2023. That is going to be one giant windfall in October 2023 for the Treasury Department.
But here is why this event matters to the rest of us. Those California late payers are going to have to raise the money to make sure that their big October 2023 checks to the IRS clear. That is going to mean selling some stock, cashing out of money market funds, shifting money from savings to checking, and otherwise generally sending waves through the banking system to get their money organized so that they can cover those deferred payments. Writing a check to the IRS means that a bank then has to cover that check, and move money all around the system as the IRS cashes those checks.
The entire financial system has grown accustomed to that type of turbulence taking place in April every year. But this anomalous Oct. 16 for rich taxpayers in the most populous state is a non-standard type of ripple in the liquidity stream.
There is no way to quantify how much of an effect this will have, as we cannot see into the hearts and the bank accounts of all of those delayed filers in California. But it is going to have some meaningful effect that is an irregular feature of the normal calendar for banking and liquidity. By late October, all of the dust should have settled, and all of that moving around of money to cover tax payments will have simmered down, so stocks can get back to their normal seasonal strength starting by late October.

Point taken @FD1000. You have said that your timing method isn't for everyone. That is true. And you have said that most should be diversified. But that begs the question, why do you keep posting about your system and trumpeting the great results you have achieved if the majority will lose money with timing. Are you trying to sway them to try when most will lose. Or, are you self-promoting? I have no doubt it works for a small minority. But the majority will never get it right.
Some of your advice is cookie-cutter good. Some, I'm not so sure.

The other question, which is more personal and Bobpa does not have to answer is does he need an emergency fund? While I worked hard to wean my kids off my checkbook, and they happily followed thru when they had jobs, in a true financial emergency involving several thousands of dollars, we would gladly help.
It is important at young ages to adapt responsible budgeting, a savings plan and to be able to swing emergency car repairs for example, but a new roof might be beyond that funds capacity.
I would agree with paying off student loan.
Having received similar equity inheritances, I would also suggest keeping a little bit of at least one position as a sentimental reminder of someone else’s largesse.
I have a few shares of Exxon that “were” originally my grandfathers in 1920s. They are only electrons but they are still a reminder of his life and career.