I’m not sure if this belongs here it doesn’t technically have a right answer so I thought it would be ok. I am 19 and make about $38,000 a year pre tax. I currently only have $4000 in a car loan that will be paid off by the end of the year and other than that have no debt or expenses other than rent etc. I just started putting in $600 of my $2200 monthly take home into a fidelity Roth IRA along with having about $3500 in my savings/checking.
I want to buy a house in the future as everyone does and wanted to know if it’s smart to use my fidelity account which is majority FXAIX and in the future pull money out of that for a down payment in 10-15 years. Or would I be better off lowering my contributions and instead putting some of that into a HYSA? I figured since I don’t need this money soon it seemed like a good idea to get the higher rate of return and just be patient. Thank you ahead of time for any advice!