AstudilloGOAT

This is why you shouldn't take advice from people on the internet. All due respect this is horrible advice. You are buying a US large cap blend fund (VFIAX) and then another cap weighted US stock fund (VTSAX) which means the top 10 holdings are approximately 25% of the portfolio and small cap may as well be a rounding error as no smidcap company is going to barely register vs an Apple with a two trillion dollar market cap. If you look at a five year chart of the two side by side it looks like one line. Correlation between the two has to a hair away from 1. There is zero benefit to buying both of these as there is massive overlap in holdings and it provides no diversification benefit at all.

Plus it completely turns a blind eye to international which has super low valuation compared to the US, has their economies reopening eventually and has larger long term growth prospects than our aging economy.

I would buy a small and midcap fund seperately to get exposure beyond .0001% of your portfolio, a diversified international fund and hold a little cash as dry powder. You'll have to constantly rebalance to manage risk. Most people better off in a robo which are basically free these days. But again, I too am a stranger on the internet, so don't take my advice. Talk to a human my friend.

If i have an account under 100k, am I out of the market for 31 days when you TLH or do you replace it with a different ETF that's different enough to avoid a wash sale?

That's great tech. I had a friend with a competitor and they harvested tax losses at pretty much the bottom in Q4 2018 right before Christmas eve. Markets had an incredible recovery that he missed out on because he was kept in cash for 31 days to avoid a wash sale. Good stuff on your process.

I don't do business with wealthfront, so not a canned answer. What you are paying for is the service, not the index funds. If that's your biggest concern just go to Fidelity where they have zero cost index funds. You are paying for the service. So many people trip over dollars chasing a penny. Best example I can think of is when covid lockdowns began, the market tanked. Someone with a 70% stock portfolio would have seen that fall into the low 50% range. If you are asleep at the wheel and not rebalancing, you are riding the recovery back up with 50 cents on the dollar vs 70, which is probably a missed opportunity that would pay the cost of your index funds for 100 years. I'd rather have someone looking at my stuff daily for a slightly higher fee and not have to worry about it, but that's just me.