"I also think being in slower company might be a good thing for me, if that makes sense."

Eliz,

Makes prefect sense. In fact, ignoring one's genetically imposed comfort zone with regard to risk gets a lot of people into more trouble than they ever recover from. Just because some people like to do crazy things with their money and lives doesn't mean you should, too.

As for jumping from Schwab to Vanguard, I'd say not to. The money market funds offered by both are sucky --that's a technical term. LOL-- compared to just buying short-term treasuries whose rates MM funds are lagging due to their expense ratios, no matter how low, and the fact they can't act as fast to new opportunities as can an individual investor.

At Schwab, treasuries can be bought two ways, at auction (commish-free) or in the secondary market at surprisingly low markups.

Charlie