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Chuva said:

Do you want a real advice? Stop taking advice from strangers on the internet. Go talk to someone in real life who is experienced and that you trust. The number of angry teenagers who think they have life all figured out is way too high on the interwebz(I mean that you probably will see a lot of advice from them).

I already said in the OP I went to the bank and they threw so much at me I was more confused leaving there then before. So I'd like to do some research online ask some people that should know a thing or two (a lot of people recommend TFSA) and get my information straight before I go back.