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SPAXX on fidelity is pretty easy to get into. Just open a Fidelity account and xfer your money there. During high interest it was getting 5% now its about 4% I think. You get paid out every month.
To invest I think it makes more sense if you are holding for 5 years minimum
Definitely HYSA over savings for everything. Don’t sell your stocks. Btw are you not investing in an IRA?
I would plan on buying used. New isn’t worth it!
I think a HYSA is the way to go. You could put some of it in stocks, but certainly be prepared for that portion of your car fund to go down. The stock market has done great in recent years, not something you can count on continuing.