Am i investing too much?

Hello I had a question: So I(20M) currently have 10k in my TFSA, mainly in XEQT. im working an internship right now, and afterwards my savings will be about 10k as well, and not planning to invest too much anymore since I lump summed most my savings with some left for a emergency fund.

I was wondering though if it’s smart to invest this much right now? As my student debt will be pretty high, approximately 80-90k in the future as I transferred programs to pursue electrical engineering. With Canada interest free loans but a portion of it being Alberta loans being at 2%, is having 10k too much in the market when I have this debt to handle in the future? As my plan in the future is too pay off the debt with the 2% interest, but let the interest free federal loan go for a long time. For reference, the 2% debt would be roughly around 40k.

Thanks for the advice!

Posted Aug 12, 2026, 8:13 PM UTC

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