Do I keep dumping money into ETFs or take the plunge on a mortgage?

Hey everyone, I’m feeling really stuck and could use some honest outside perspective. I’m 24F, living in Prague, making about $2,600/month net after tax. Right now, I invest at least $1,000 a month into ETFs (holding about $48k, planning to hold for 10+ years and not use it as a down payment) and I have around $28k in cash. My current rent is $600/month sharing with a roommate. Here’s my dilemma: everyone online talks about compound interest being magic, but watching my ETF portfolio grow feels