This doesn't contain enough information about diversification to make an informed opinion. Diversification is about WHAT your invested in, not where. For example your dividend paying stocks, are they in a variety of sectors and industries or concentrated in 2 or 3 companies? Beyond that are they invested in a taxable or tax deferred acct since you may pay a lower tax rate on dividends in a taxable account than in a tax deferred account depending upon your tax situation. Is your bank account invested in a money market account invested in short term debt instruments? What are your roth and traditional iras invested in? Are you heavily exposed to any particular company specific risk, market risk, interest rate risk, opportunity risk, etc? What are your investing goals, timeline, risk tolerance, liquidity needs, any major life circumstances that may influence your investing needs? Do you have any portion of your portfolio invested in bonds or other fixed income products? Do you have any ETF's or mutual funds to add diversification? Any 401k through your employer or SEP IRA/individual 401k if you're self-employed? You would be wise to meet with a professional to evaluate your whole situation and better allocate your funds.

The "experts" would tell you to have 6 months of income as an emergency fund. How does 17k stack up to your annual income?

Why is $33k in dividend paying stocks outside your IRA? I would consider moving them into the IRA over a period of time. Talk to your IRA custodian for suggestions on how to do it.

How are those dividend stocks diversified? All consumer discretionary? All financial? All oil?

Discover ETF's, such as SPY, DIA, an DVY, among many others. Wide diversification, low expenses and minimal transaction costs.

There's no way to answer your question because what you have described is not "diversification" in the normal meaning of the word.

Diversification most often refers to your holdings themselves; not where you hold them. You have described (for the most part) WHERE you hold your portfolio.

Depending on your monthly expenses, you may have too little or too much in your emergency savings (your "bank account"). Additionally - - if you'd like to earn a few extra bucks - - - open an online savings account with a bank like Ally (currently earning 4 times your bank - - about 0.8%).

If $17,000 of your total $51,437 is in a Savings Account, you don't HAVE "diversification", you have 33% of your money LOSING value because it is earning less than the inflation rate!

No, but I'd start maxing out my annual IRA contribution. Go with the Roth.

Put it all in dividend paying stocks.

forget the bank earning measley 2% interest.

don't sit on cash, put cash to work.

its fine but if can put another $7000 into the fund

I have $33,000 in Div, paying stocks,

17,000 in bank account earning .2%

$1,437 in combo between ROTH and Traditional IRA

Do you think I have too much in the bank account?

I am 35 years old and debt free.