If i have 20k dollar then i want to buy some land for me. I want to live in my own house. Its a dream to me.
Your dream is very realistic and good because without our own home we all cannot live comfortably...
It is very sad to see someone who is old but still doesn't have a home, so prepare for your future as well as your family.
20k$ it's not worth keeping is Bank. IfI had 20K I would spend all in buying Bitcoin. Bitcoin popularity has increased so much in compair to past. Many big company, country, had now accepted Bitcoin as payment currency. So instead of bank I would buy Bitcoin and hold for Long term.
have you thought about the risks because currently Bitcoin is bullish and most likely the market will be saturated, refrain from buying until the price drops low is a wise decision.