One thought I have that is not directly related to your specific question - I think you should stop saving in the house fund.PNWpilot wrote: ↑Mon Mar 20, 2023 12:55 pm We invest 15% of our monthly income to employer 401K and Roth IRA. We save an additional 15% towards a house-fund. Our house fund has grown to about $240k. Ideally, I'd like to use some (or all) of that money towards a home at some point, and then max out Roth/401K moving forward.
$240k should be plenty for a 20% (or more) down payment and moving costs in a MCOL area.
I would put more in the 401k(s) and Roth IRAs, to the extent you have room. If not, then move on to using tax-efficient index funds in a taxable brokerage account.