I need financial help regarding investing and where to allocate my funds.

I need financial help regarding investing and where to allocate my funds. I originally posted this on @ r/Adulting but they told me to post on here! I'm not sure how to start this off other than where I am currently in life. I am 20 years old, I have a Roth IRA which I maxed out last year 2023 ($6500) and this year 2024 ($7k), all in one fund which is the VTSAX. I have no HYSA, and 9k in my bank account with a 750 fla...

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