If you asking a question like this, then you are a beginner. If you are an expert in the field of computer technology, than you can to have a work with mining . You need a form a briefcase of high capitalized cryptocurrency.
No one beginner should risk his 20 thousand. It is insane. It will be much better if a newbie can start with the smaller sum, under a thousand or two, and invest it in 15-20 tokens.