I'm (34M) have:
$65K salary (get to save $800-$900 a per pay period)
$30K Roth IRA (Boglehead lazy man approach, fully vest every new year since 2023)
$2K 401K employer match 4% if I drop 5% (new job so still young)
$29K HYSA (Emergency Fund/House down payment)
$4K Checking
A bit of BTC (Got in 2020, never sold and won't for 30yrs)
Should I move more of the HYSA into a brokerage account like QQQ/VOO or keep it? Grow up poor so have a habit of not spending money and need it to be secure and am minimalist in lifestyle.