For a person in early 30s who is not looking for an early retirement (age 60-65 is good), but planning for a down payment of a house within ~7 years, what option might be a better one? I don't consider Roth IRA as a primary retirement account because of possible double taxation as I might retire in another country other than US. As a note, I will be in a higher tax bracket 2 years later with significant salary raise with being ineligible to RothIRA (i know backdoor method available).
1. Contributing 10% of income to 401k then 5% to the taxable brokerage for down payment?
2. Contributing 15% of income to 401k directly, then saving cash with additional amounts
3. Maxing out Roth IRA (and using contributions for down payment years later), then rest 401k
4. A different plan?