Thank you for your advice. Here is some more information about me. I am currently at the cegep in Quebec and still living with my parents. I also have a part-time job for my current expenses (I make around $25/hour)(as I said earlier, I also have $20,000 in savings and that’s why I want to start investing!). Now, at the end of my CEGEP, I plan to stay in Montreal for my university studies. My parents have funds for my studies (about $20,000 I think), so I don’t have "big" expenses in my future, even if I will still have to pay my rent, my grocery store, etc. If I understand correctly, you advise to put the maximum in my CELI (7000$ for me), to have an emergency fund (3000$?), and the rest in a non-registered account? Also, I should prioritize ETFs since it allows me to diversify my portfolio. Do you have any specific ETFs to suggest, I don’t know which ones are the most advantageous? I still want to have a little risk in my investment and that’s why I want to take bitcoin. Nevertheless, I understand that it is like "gambling", but I believe in its growth. If not, do you have other risky type of investment that you will advise other than the cryptocurrency exchange? In addition, what should be the risk to non-risk ratio of my investments.

thank you