Looking for feedback on my financial plan

I plan to invest 43% in VT (The intention being long term growth/not selling besides rebalancing)

11% in BND (The reason being to have something that does not correlate as closely with the market in the event of a downturn)

1.7% in FBTC (This is not a percentage I will rebalance if it drops, but will potentially sell in the event that it grows to be a significant portion of my portfolio. It is for fun essentially, and also does provide further diversification)

3.3% in BRK.B (This is the one I feel like I should know better than to hold so much in a single stock. But like the bitcoin etf I will not buy more if it drops. I like the aspect of cash and concentrating more heavily on US stocks as far as the equity portion.

The remaining 41% will currently be in SNSXX (I have high state taxes) as I intend to purchase a home and potentially start a business in the near future. Once those purchases are finalized, I will keep a much smaller amount in an emergency fund and redistribute the rest into BND and VT

So after the house/business I aim to hold 80% VT and 20% BND, disregarding the fbtc, brkb, and snsxx as these will not be rebalanced.

Some concerns I have.

1. As I am self employed with minimal income the entire portfolio is currently in a taxable account. I know self employment IRAs exist but they wont do me much good as my holdings significantly overshadow my income.

2. While I am comfortable with the current percentage allocation to the more volatile BRK.B and significantly more volatile FBTC in the current break down, these percentages will nearly double when my SNSXX gets spent so I suppose I ought to accept that or factor in my property value as part of my portfolio, however this is a home I intend to live in, and am not actually considering it as a financial investment that I anticipate or expect growth from.

3. I would prefer to invest actually in government bonds themselves than BND and leave the corporates behind especially when I diminish my MM, but haven't gotten around to organizing for that yet.

4. I am also interested in short term Indian bonds or CDs but have not found a way to do this yet. The cash for this would come from any remainder of SNSXX.

5. Despite my aim at set-and-forget/long term growth, due to my insufficient income, I would like to retain the option to make some yearly withdrawals of about ~1% of my portfolio in difficult years. I am not sure where to take it from though and if it would make sense to rather keep this money in an annuity or short term CDs because it is my hope that I don't need to actually touch the portfolio (besides SNSXX) for about 30+ years