@amethyst86purple Emergency fund is too low, its not just about losing your job, its also for unpredicted expenses like car repairs, home repairs, healthcare, relatives help, etc etc, even if some of these dont apply to you, there will be others not listed here.
At the same time you say you have 13k in checkings acc so im confused how that is different. Consider changing your perspective around these two and group them together. Your cash holdings should be equal to emergency fund + 2-3k liquidity for the current month.
Drop the stocks or at least stop buying stocks, etfs are the way to go.
If you want a big risk play like you said just go for a decent crypto allocation that makes you feel comfortable - no one can advise you what “comfortable” is except your own stomach.
Drop eth (or dont buy more) and focus on btc.
The portfolio of the past was bonds + etfs.
The portfolio of today is etfs + crypto.
Ideally you want 1 single etf like VWCE or sp500 and 1 single crypto which is obviously btc.
Dont overcomplicate your portfolio more than that.
Yes i will get downvoted for the crypto part since this sub hates it but its clear you know what youre doing. If youre not sure, spend more time on understanding global economics, monetary policies of 21st century and dive way deeper into bitcoin mechanics. Spending your time on these three will give you much more benefits than spending your time understanding different etfs and their specific portfolio allocations and structures (considering in the end it will always devolve to either all world or sp500). Spending your time on the former three will help you make an educated decision about your own portfolio allocation between etf and crypto based on your own risk tolerance.
As for a mortgage - since youre not sure, just dont do it now. The risk is that youre young still and might have to move. Keep contemplating it though as time spent on thinking about it will give you clarity at one point. When youre ready in your life only buy one primary home to live in, i.e. dont invest in real estate that you dont live in.