What should my 3-fund allocation look like at age 22?

I am currently able to save about $4000 per month.

My current allocation is:

VOO 85% BND 10%

HYSA/CDs 5%

I do have other speculative investments in specific stocks, but I consider that money gone and will not be regularly putting money in those.

As you can see, what I have right now is more of a 2-fund portfolio.

1) What should my 3rd fund be? International fund? If so what should my new allocation split look like

2) Should I put more than 5% into my HYSA? I already have enough of an emergency fund and no upcoming large purchases, but the current political climate makes me feel like guaranteed interest returns are worth it short term.

3) Any other suggestions?