re: Almost 45 trying to determine where I want to be bond vs equity mix now that there is rate

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Also my 6 month emergency is all Treasury ladders do I segregate that or count towards my total mix?

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Segregate that. The whole point of an emergency fund is near instant liquidity in the event of an “emergency”, right?

So if you’re laddered in Treasury bills for that purpose, it would create a skew if you counted that in the total mix as you decide on appropriate allocations over time. At your age, in your (true) investment accounts, there’s little need for much if any bond allocation. Throwing in a light percentage of notes, preferred class and/or healthy dividend paying equities isn’t a bad idea. But again, at your age, I’d still lean toward having the heaviest allocation in growth equity products like ETFs and maybe some commons that don’t individually exceed 10% of the portfolio.