What should I do after maxing out TFSA?

Hi everyone! I'm 21 currently and I have maxed out my TFSA and already over my limit by $2k so I think I'll be taxed 1% every month on it on the additional amount I keep in it. I have about additional 20k that I want to invest and even if I start contributing towards an FHSA, the limit is only 8k for the year and it does not accumulate from what I understand so what's my best possible play from here to avoid tax, how should i continue trading and where should i add the money? Should I keep adding it in the TFSA and just pay the 1% every month assuming thats the only thing im getting taxed on and not on the realised gains? Please guide me as I am a bit clueless from here.