<prompt> Human: Im 29 years old, single, with 245k sitting in an online savings account, earning a measly 0.95 interest. I make roughly 70kyr and my credit score is 819. Im looking to purchase my first home, which will cost around 220k. Im tempted to buy the house outright with cash and start building my savings account back up, which I feel like I could do rather quickly with no rentmortgage to worry about aside from HOA, insurance, property tax, maintenance, etc., which would still be dramatically less than what Im currently paying in rent.Ive searched this sub for other people asking similar questions and it looks like the consensus is that paying for a house with cash given todays interest rates is a bad idea. The problem I have with this is that I have zero experience with stocks, bonds, anything like that. To be frank, Im afraid of the stock market. I fear high risk and I worry that I wont be able to earn more than the mortgage interest rate, which would probably be around 4.25. The only investing Im currently doing is with an employee-sponsored 401k, which currently carries a balance of 100k.Any advice foragainst buying a house with cash in my situation would be greatly appreciated. Thank you for your time.  <response>: Id probably do something in-between if given the chance.Something like a 50 down payment, then start learning about investments. 