I'd look at your GPU first, not your RAM. The previous responses nailed it - 16GB DDR5 is solid for this workload, but a 4060 is genuinely struggling with Black Myth: Wukong at any decent settings, especially when encoding a stream simultaneously. That game is demanding, and streaming pulls real GPU resources away from gaming performance. The RAM upgrade won't fix stutters if your graphics card is already maxed out trying to do both jobs at once.
Your best immediate move is actually checking what's happening under load. Run a monitoring tool and see if your GPU is sitting at 99% utilization while streaming - if it is, throwing more RAM at the problem is pointless. I've dealt with similar situations where people assume they need more memory when really the bottleneck is elsewhere entirely. You might need to dial down game settings (resolution, frame rate targets, graphics quality), use a lighter streaming encoder, or accept that streaming 1080p 60fps while playing a AAA title on a 4060 just isn't realistic. Some people get decent results with NVIDIA's RTX encoding, which offloads some work from the main GPU cores, so that's worth experimenting with if your streaming software supports it.
If you're determined to keep streaming at decent quality without dropping game settings, upgrading the GPU would help way more than upgrading RAM. But honestly, before spending anything, verify exactly where your usage is peaking - CPU, GPU, or RAM - because the fix might just be configuration changes.