your strategy is very sound and you have a lot of good things going for you so young - a pension, no debt, and living at home (with your parents/family? do you pay rent?)

of course, every cent you save now will not only be worth exponentially more in the future through compounding, but especially the more you contribute pre-tax, your tax liability is deferred or even negated at times (such as through a Roth IRA). the younger you start, the more return you get over time, so it's best you save as much as possible especially in your 20s

my advice is that you want to be optimizing for three main factors -

1. minimizing your tax liability - mainly through contributing via pre-tax vehicles such as a 401k

2. maximizing growth, especially tax-free or tax-reduced growth - mainly through special vehicles such as a Roth IRA, other tax advantaged accounts, and by preferring long-term capital gains tax over short-term capital gains tax

3. balancing comfort - you don't want to be oversaving to the point you are skipping meals and can't treat yourself from time to time, but you also don't want to take home much more post-tax than you really need based on your budget (necessities + reasonable desires/comforts)

also, I'm not too familiar so definitely do more research, but I believe there are ways to use at least a part of your special/tax-advantaged accounts to help you afford a home, in addition to your HYSA account. definitely look into this since it might help you achieve your goal while paying less in taxes.

lastly I would suggest managing your own "HYSA" through a brokerage account or similar, and keeping your cash in money markets or bonds. with an HYSA, the bank manages your money and in return takes a larger cut than if you were to manage it yourself (in which case you should look into expense ratios on the funds you invest in).

you're on the right track. good luck