I’m good with the traditional retirement savings ladder. 401k Match (x2) > Max Roth IRA (Backdoor) (x2) > Max 401k (x2) > Taxable Accounts

An HSA would be in there too but I don’t have access to one. I have an emergency fund as well.

I’m not currently looking to buy a home, but it seems I’m saving a lot towards retirement 30+ years away and it’s all relatively illiquid.

So how would you prioritize saving for a future downpayment? And would you just hold that money in a HYSA? It seems somewhat of a waste to put away 6 figures in a HYSA, so maybe there’s a better answer? Taxable investment account?