Need help to understand how to partition my money into different buckets for savings perspective. Looking for long term and retirement

I am 34M married single income. I have 70k USD and on a h1 status. I am parking it in a 3% savings account procrastinating that I will invest in a 10% investment option it's been sitting like that for may be 2 years. Currently I am saving may be 1k per month.

I completed will be in US for 2 more years and will go back to india if things are good. Else need to leave earlier than that. I don't know where to invest for decent returns.

I have an infant US citizen. Currently I don't think so I am looking to settle here or not sure what my child likes in the future.

I have an auto loan worth 22k at 6% Apt

I don't have a home or any other investment options in India. I have 6 months of expenses in India.

I am just scared of markets right now

I don't understand this rent vs buy debate.

I am not good at finances