California E&S Insurance

Sell all of my investments to never have a housing payment? I (22M) have been working in the trades since I was 18, clearing a fair salary every tax year. I now make 130k base salary and with OT I cleared just about 200 last year. I can expect my salary to increase to 155k in the next 3 years. I have also been investing in growth stocks as well as more low risk index funds, with a total portfolio value of 220k in a brokerage account w/ 40% in individual stocks and 60% in a spread of index funds covering the U.S. market. Another 52k in 401ks as of today. I hold zero cash savings, live at home with zero rent, am on my parents health insurance, and have my car paid off - all this to say I can save a lot. My main yearly expenditure is travel, but I keep it modest and save aggressively. I live in a HCOL area (Southern California), where the average home I would want to buy is somewhere between 500 and 600k. I'm working on my 5 year plan, and am looking into buying a house in 2028. What I am debating is: a) stop contributing to my money market accounts, instead holding everything in high yield savings and using this to a 20% downpayment on a house. keep my money market accounts as retirement savings (I am planning on retiring early) b) keep contributing to my money market accounts, sell the however much of this portfolio as I need to in 2028, buy a house cash, slap an ADU down to generate income while I'm living there I know that the expected growth of my investments is substantial, and obviously I would be missing out on a lot of appreciation from these stocks. However, on the flip side, I would have no housing monthly, allowing me to continue investing after I purchase the house, and again, HAVE NO HOUSING PAYMENT! Looking for any and all feedback EDIT: Removed money market terminology, I incorrectly described my investments

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  "title": "Sell all of my investments to never have a housing payment?",
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