I feel like I’m not making the best use of my money

I feel like I’m not making the best use of my money Hi there 26F. Stayed at home since 18. Currently have 170k in a HYSA at 5% but goes down to 4.5% in 2 months Have another 55k in S&P 500 brokerage account Have another 50k in ROTH ira Save about 4k a month. Sometimes 5k. I’m scared to make the jump but also thinking it’s time to own a place and rent it out. My main goal is to get overall 4k ...

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