At 20 years old and already making some savvy financial moves, you’re like the superhero of your own money story. With $2,500 a month coming in after taxes, $5,000 sitting pretty in savings, and $10,000 invested in VFV through your TFSA, you're off to a fantastic start. But now the big question: where should you be putting your money next? Let’s break it down like a plot twist in your favorite binge-worthy series.

First off, congratulations on your investments! Putting your money in a TFSA (Tax-Free Savings Account) is like finding the secret level in a video game where you get to level up without the tax monsters chasing you. VFV is a solid choice, giving you exposure to the U.S. market through the S&P 500. But here's the thing: investing is a long game, much like waiting for that next season of your favorite show. You want to give your investments time to grow while you balance it with other financial goals.

Now, let’s talk about that savings. With $5,000 saved, you’re already ahead of the game. It’s good to have an emergency fund that can cover three to six months' worth of expenses—think of it as your financial security blanket. Since you mentioned having minimal expenses, you might not need all that cash sitting idle. Consider keeping around $2,000 to $3,000 for emergencies, and then think about funneling the rest into investments.

Speaking of investments, if you’re feeling confident, why not consider diversifying? Just like how a well-rounded playlist makes a party more dynamic, having a mix of investments can help smooth out the bumps when the market gets a little turbulent. You could look into other ETFs or index funds that focus on different sectors or even international markets. This could be your chance to become the savvy investor who knows how to navigate the twists and turns of the market.

Now, should you chat with your bank? It can be useful, but be cautious of the advice you get. Banks sometimes push products that might not be the best fit for you. Instead, think about finding a financial advisor—preferably one who doesn’t work on commission. They can help you craft a personalized plan that fits your goals, whether it's growing your wealth or saving for a future big purchase, like a car or that dream trip.

In the end, balancing saving and investing is like finding the right plot pacing in a movie. Too much of one can make it drag, while too much of the other can leave you feeling anxious. Keep saving for emergencies, invest wisely to grow your wealth, and don’t forget to enjoy your 20s. After all, you’re building a financial future that will let you binge-watch your favorite shows without worrying about your wallet. So take a deep breath, enjoy the journey, and remember: the best time to plant a tree was 20 years ago; the second best time is now!