This is not financial advice, but I think if you are stressing your bond allocation too much; you may be missing out on compounding growth. A targeted date fund is perfectly acceptable, so much so that it is a standard in most investment portfolios and even the default, daddy.

Yeah I think you just keep dating freeloaders, unless they're like being dominant about being broke.

I hope you put good people in your life someday soon. Its so demoralizing to run into the exact same person with a new face over and over.