Debt.

I'll buy $20,000 of gold. :3

Like 15 abortions. God I love abortions.

Put it on my mortgage.

Two chicks at the same time

Laser hair removal, car, estrogen

Putting it toward my mortgage payment.

Index fund. Duh.

20k is one medium home remodel (one deck, Hall bath, or painting the outside), half the price of my sisters powerchair, or paying down half remaining on my car

Fixing the leaky roof finally, then a really good gaming chair, and whatever's left on a ridiculous amount of fancy snacks. no way i'm letting that money just evaporate.

The boring but truthful answers of "I have bills that can easily soak it all up without an issue (mortgage, student loans, car, etc)" have been said, so assuming I cannot use it to repay any debts, and I have to make actual new purchases, I'd buy things that I could pay for now but enjoy for a long time. 3-year VPN plan, multi-year phone plan, gift cards to restaurants (especially with a bulk discount like at a Costco), etc. Upgrade my cockatiels to a cage that goes wall to wall with real plants hanging out and all that. The little things that cost enough that I don't get them but not enough to be a life-changer. Probably be a good amount left, I'd get a moped or electric bike of some kind, and I'd upgrade my laptop to a stupid powerful one.

Probably start a business and use thr as the deposit for a space in the city.

Probably dump it all into my mortgage.

I think that would actually give me the most bang for the buck.

Paying student loans and credit card debt.

Pay off my credit card and then that guy's mortgage

No one wants to donate it to charity of my choosing?

(What if the charity is just a thin veil over my own account)

CDs (certificates of deposit)

Boring but effective.

My roof needs attention. I'd easily spend the whole $20 and some of my own.

I've learned reading these comments that way too many people don't know just how little 20k is.

Boring answer but with the 1974 built house I have that 20k disappears into the renovations void.

Take your pick: furnace, central A/C, driveway repairs.

Ill buy a shit ton of gold with it

Yeah, paying off loans.

Alternatively and less boringly, upgrade my desktop and peripherals, new laptop for me and my wife, get nice homelab/server stuff, smart home stuff/sensors, surround sound system for my family room and office/gaming room, proper furniture for my office, new matresses for almost every bed in the house. That would most likely eat most of it, give or take ~$2,000.

Its going on the car loan. The whole amount.

Finance prople, Is it wrong to not spend and keep it at my bank, just in case I suddenly decide to move to France, or I get sick or finally have the guts to start my dream business, or I die so my family can have it?

Is it magic. Can I like upgrade by hvac to a heat pump even though I could not get it in a day? If so I would do that and maybe get all the ductwork replaced if it could be fit into the cost.

So, this is just the dollar store version of Brewsters Millions, then?

Debt, then idk. Maybe a burger or something?

giving it to an independent cat rescue shelter

blow em' all on 0DTEs. lambos or food stamps baby.

Spend a couple thousand on high quality gear for a home server to back up my digital stuff.

Spend a couple thousand on high quality outdoor gear like hiking boots and wool clothing (socks, long underwear). Buy a small tent to replace the really old one with the shitty zipper.

I have one or two more payments on my vehicle, so pay that off.

Put whatever I can into retirement savings and invest the rest in something mostly stable, like a mutual fund or whatever balances it out across multiple stocks.

My debt is well-controlled and planned for, so while I could pay it off and save myself some interest, and assuming I can't just put it in savings or invest it, it'd probably be best spent catching up on non essentials.

Full spare set of tires for the car. Wardrobe stock-up. Extra fancy Christmas presents for friends and family, Some new appliances, or furniture, or computer hardware, maybe pick out a vacation spot and book a hotel stay I'd pre-pay for.

A good used car, pay off my credit card, lots of tools, Monero if there is anything left over.

20,000€ of service (idk making a sandwich or something) to our significant other that way we reap the reward of having money and it wouldn’t expire as it is considered spent.

Fr tho, would pay back debts to our friends who have helped us, donate some to the community, buy A BUNCH of food for the fridge, buy a bunch of stuff off of steam, new PC for us and significant other and a NAS. Hey a bunch of clothes, etc. any money left over we’d buy physical silver or gold and once time is up we would sell the physical worth back.

1-year bonds. I'm gonna make some stupid decisions if I don't have time to think about it

Reduce my mortgage principal by 10k, then invest the other 10k with whatever interest earned to be used to reduce the principal further.

Shares.