Question: what to do with 20 000 dollars?
Answer: Invest with a robo-advisor. Recommended allocation: Up to 100 percent. ... 
Invest with a broker. ... 
Do a 401(k) swap. ... 
Invest in real estate. ... 
Put the money in a savings account. ... 
Try out peer-to-peer lending. ... 
Start your own business. ... 
Pay for an education.