$20k is a good amount to invest.  If I had this amount of money I would definitely invest $15k in Bitcoin and hold.  The remaining $5k I will invest in either Ethereum, BNB.  If there is such amount I don't want to miss the opportunity because Bitcoin halving will happen after few days.  Expecting Bitcoin and top alt coins to pump after  few months of halving.  I expect the price of Bitcoin and top level alt coins to reach their ATH in the upcoming bull run and I expect huge profits from here in the future.