re: Where to park $20-30k for max 2 years?

HYSA due to flexibility. If you might need the money in 3 months, 6 months, or 18 months, an HYSA keeps your cash completely liquid. Moreover, top-tier online banks are offering yields around 3.50% to 4.20% APY.

My only concern is the rates are variable. If the Federal Reserve cuts interest rates over the next two years, the yield on your savings account will drop accordingly.

I'd diversify, keep $5,000 in a HYSA. This stays completely liquid. If the Fed cuts rates, you lose a little bit of yield on this chunk, but you maintain instant access to emergency cash.

Put $20,000–$25,000 into a 1-year or 2-year CD/T-Bill. Thus, guarantees that the bulk of your money is completely insulated from whatever the Federal Reserve decides to do in their upcoming meetings.