Sitting on $250K in HYSA. Nervous about putting in the market right now.

43M. Married. 1 newborn. I sold my house in U.S. early this year and decided to commit to my job overseas longer term. I put the equity from the house, now grown to ~ $250 in a HYSA at around 3.5% APY. The rest of my finances are as follows: $110K Annual Salary $236K 401K $90K Rollover IRA $0 Roth (New) $256 Investment Acc. Various Mutual Funds $150K Apt Overseas almost paid off with no interest on monthly installments (Muslim Country) Will definitely max out on a new Roth, but I’m torn whether