I have 25k in stocks, and 25k in inheritance that’s I can’t touch unless it’s for a house.

For context, Im 25 years old making about $5400 a month with about $2700 in monthly expenses.

I have 25k invested into various safer but volatile stocks. I also have 25k in inheritance that my relative wanted only to go towards a house…my mom won’t release this money to me unless it’s directly for a house in respect of my relatives wishes.

My questions is: do I use my 25k and get into a house so that other 25k isn’t sitting in a random savings account? In my area, the best I could do is about 400k home unless I go into some sketchy areas meaning I’ll only be able to put about 10% down.

My other idea is to just let that 25k sit in whatever savings account it’s in, and use my money to pay off my trucks 13k loan @5.4%

It’s hard balancing between Robert Kiyosakis’s philosophy and Dave Ramsey’s because they are dramatically different ideas of wealth building.

Just looking to see if anyone has any creative ideas or can offer some insight.