I have $20,000 what to do with it
Hey @Gary Fisherr. A reader wrote in to Dear Penny with a similar question not too long ago. Maybe that could help you decide?
The TL;DR version is: put it in a high-yield savings account while you decide exactly what to do with it. Meeting with a financial planner could also be a good option, but they can't tell you exactly how to manage your money. You'll have to decide what financial goal you want to reach. Retirement? Pay down debt? Invest?
Maybe divide it up? Invest some. Save some. Give some to a local charity or someone in need if that is something you like to do.
And maybe even take a small chunk to just spend on yourself as a reward for reaching such a milestone.
At the end of the day, it's your money and you should make the decision that is best for your situation.