Debt.

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

Two chicks at the same time

Laser hair removal, car, estrogen

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.

Shares.

Like 15 abortions. God I love abortions.

Debt, then idk. Maybe a burger or something?

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.

Putting it toward my mortgage payment.

Its going on the car loan. The whole amount.

I'd take it all to the casino and bet it all on one game. Walk out ten minutes later with 100k or the nothing I'd have at the end of the day anyway.

can I just throw it on my mortgage?

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.

Buy here pay here used car lot, pay all cash for a good Toyota or Honda on the spot, immediately turn it back around and post for private party sale, whenever it sells I get the cash scot free and can turn it back into a real investment

If you're american, probably pay 10% of your medical debt or some shit like that.

Gold

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

Put it on my mortgage.

Shares in index funds.

3921 copies of Brewster's Millions on DVD.

Invest it/ simply convert it to another currency

I have a car dealership right next to my office. And I'd really love to retire my 20yo car

A downpayment on land.

Im a project car guy, can I add funds? Seriously, daddy needs a new engine.

I volunteer at some food pantries, and they could really use the help.

I’d use it to pay my mortgage. That would bring me down to like $6k (bought this place a long time ago on foreclosure, so it was cheap but it’s a piece of shit place, so tradeoff). I’d then just pay the remaining 6k from savings and have zero leftover savings (but that would replenish eventually), and be done with it forever. That would feel amazing and take a lot of stress off my fixed income situation.

$20,000 gift card

One camera lens

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