So I looked at this thread.

Buy a trezor

trezor.io is the website.

It is a decent hardware wallet.

It is cheap.

If you are USA based.

Use two exchanges.

binance.us
coinbase.com

I would buy

85% BTC

5% LTC
5% DOGE
5% BCH

or
80% BTC

5% LTC
5% DOGE
5% BCH
5% ETH

I Would not go all in with the 20 k

I would spend 1000 every 2 weeks.

First     1000 at binance.us
Second 1000 at coinbase.
Third.   1000 at binance.us
fourth.  1000 at coinbase

do this for 20 controlled buys.

and transfer some coin into your trezor from each exchange.

good luck.

understand that the whole 20k could be greatly reduced.
once you do your buys.

hodl
hodl
hodl
hodl

took you 40 weeks to buy at 1000 every two weeks.

hodl for a minimum of 160 weeks.

make an assessment then.