My recommendation would be to convert the entire 20,000 USD into ETH. With the current price, you can acquire approximately 10.6 ETH. Then, utilize this ETH to capitalize on lucrative opportunities.
In my view, capitalizing on opportunities is unequivocally the finest approach to enter the realm of cryptocurrency.
If you engage in spot trading, you'll be subject to the whims of the market. However, the crypto market tends to experience brief bullish phases and protracted bearish periods, making spot trading quite likely to result in ongoing predicaments.
If you venture into contract trading, the probability of incurring losses is exceedingly high.
Only by capitalizing on opportunities can you transcend the vicissitudes of the market, as it entails deep involvement in project interactions.
Take the recent example of zksync: with 10.6 ETH, you can manage three accounts adeptly. When the airdrop arrives next year, it should pose no significant challenge to achieve a tenfold profit.