I just turned 29 with 140k net worth. I live with parents but feel stuck?

401k: 46k, Roth: 36k, Brokerage: 43k, Savings: 15k I have 0 debt and my monthly expenses are around 1k for food and rent. I’m 100% in S&P with 125k invested I feel like it’s boring atm. I have the chance to inherit a house with 120k left on mortgage at 1650 a month with no interest. Should I take this on or keep doing me for a few more years? When can I expect to retire?