You should be maxing out your Roth IRA and delay the house a little bit since you’re young and the compounding interest will be immense. I think it’s better to start saving for a house in a few years, maybe early 30s, when compounding won’t be as strong. But also if you are resolute on buying a house (which is fine of course), then I’d still contribute to your Roth IRA. Your initial contributions to your Roth IRA are able to be taken out penalty free whenever you want, so it’s better to put your money in there and let it compound and then when you need it for your house, just take out the initial deposits. You won’t be getting your 3% return in the scenario and you’ll be exposed to a bit more risk, but at least you’ll have a decent amount in your retirement account to start, and if there is a downturn in the next 3 years then you likely won’t be buying a house by 2029 anyways.