How should I invest in Roth IRA, index funds, high yield savings account as a college student?

I’m a college student that has $4800 to invest. I keep hearing that I should invest the majority of it in Roth IRA vs directly investing in index funds. However, there’s a penalty for withdrawing Roth IRA money before retirement, and I want to buy a house eventually. Should I worry about housing more or saving for retirement? What percent should I devote to Roth IRA, directly invested index funds, and a high yield savings account?