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.
For me you can invest your $20k on a promising ico like foresting ico, i am sure the money you will invest can multiply x2 after it will get listed on some exchanger and if you dont want to invest on ico it is better to invest on a good altcoins.