@Hauler thoughts on your house buying suggestion...
You can easily get a mortgage rate at 2.75 (2.375 is available) which is 1%+ lower in APR than 6 months ago.
320k home = 20% down = 256k mortgage
256k saving 1% a year x 30 years = 2560 a year saved to buy a house now over 6 months ago...and that's ignoring compounding interest which is even higher savings.
2560 a year saved over 30 years = 76,800 saved in interest right now.
Even if you go up 64k (lumber doubled in price on same house) you save that in the interest rate reduction.
If you were going to buy a house 6 months ago, its just as good to buy one now in general.