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Worried about inflation?
The U.S. Treasury’s Series I savings bonds have a 3.54% interest rate that will only go up as prices rise.
https://www.bloomberg.com/opinion/articles/2021-05-20/personal-finance-series-i-u-s-savings-bonds-offer-inflation-protection
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I’m guessing you moved back with family for the pandemic? I think that’s great and hoped you saved a ton. I’d recommend enjoying your 20s and moving out now. Get a place with roommates so you can continue to save. I don’t think you’ll regret it.
Have you lived on your own since college/move in during the pandemic or have you always lived there?
D2 said it all. Being married to a lease can be a pain, this is coming from someone that moved 7 times in 7 years at one point 🤦♀️. The more that you can easily and comfortably save now, the more you’ll thank yourself later especially if you are purchasing a home.