25 year old living with my parents still, make 70k a year. I have 100k sitting in a HYSA, my Roth IRA is maxed already, and my 401k is match at 6%. The 100k is for emergency purposes and to save up for a down payment for my future house. My question is, I had a co worker tell me to move most of my money from the HYSA into a brokage account (and buy index funds such as VOO) so I can yield higher returns. My HYSA currently is about 3.5%.. What would ya'll recommend?