Now my question is how can someone make it out with $20
As you've said, you can buy those stocks that are buyable with that amount. But the established ones, they're not worth it to have it.
Just like in the crypto market, there goes the meme coins but I have never bought any of them even if I see people made huge money from it. So, the likes of it in the stocks are the penny stocks.
It's all like out of luck and in today's time, you don't think that there's a lot that you can do with that amount of money when you buy stocks.