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What is your greatest dream for your life?
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Ibonds.
Mentor
You have time to overcontribute to your taxes to ensure a higher refund. Just drop an extra $300 per paycheck for the rest of your paychecks this year if you normally are close to even to get more back in IBonds.
Beyond that, I would say you would probably be OK contributing to index funds for the next year or two, but then should focus on HYSA from there.
I just keep it in cash (HYSA)
If you’re looking for low risk a CD ladder may be an option. However you’re also limiting potential growth
Bitcoin
Simp move
Laddered corporates / munis / CDs.
CDs and I bonds
Yes it’s limited growth but I would not roll the dice if you’re saving for a down payment