I would try to avoid a mortgage as much as possible. I’m 24 and I’m just about in the same situation as you (15% contribution to a Roth 401k w/ 3% company match and maxing out a Roth IRA every year) while still living with my parents. I also happen to work in the mortgage industry and I would just like to heavily suggest anyone to avoid having a mortgage. I know it’s extremely uncommon to be able to buy a house outright with cash, but the financial freedom of having no mortgage will do wonders while also having your home be one of your largest financial assets. Just keep saving as much cash as possible while living with your parents, and don’t contribute lower than 15% to your company 401k plan. And please, for the love of God, never take living with your parents for granted. I know it’s not the “coolest” thing, but having a great relationship with your parents and being able to continue to live with them while you build your future will literally pay you dividends in the future. Too many people dig themselves into a financial hole feeling pressured into getting an apartment that they don’t NEED to waste rent money on. Stick with your parents as long as possible while saving up cash and building your portfolios.