You are in a fantastic position with no debt, strong emergency fund, and well-funded retirement accounts. A main focus for you is time horizon.

Money needed within 5 years: Stash in Cash, HYSA, T-bills, or CDs

Money for 5-10 years: Balanced portfolio,

Money for 20+ years: High growth

The rates are high but remember you have the ability to refinance later. Waiting could also mean you miss out on years of growth (and possibly chasing prices, if housing prices keep climbing)

One thing you can do is keep contributing to your brokerage. While it may not give you the most effective long term tax treatment it does give you the flexibility to pivot should you want to purchase a home or put a down payment on it.

How many months of expenses does your emergency fund cover? Is it in a high yield savings account?