$20k is a good start. Consult with your family as to how to invest it. The key is to get advice from someone who is wealthy, but has nothing to sell you. Beware of investment advisors, who may be more interested in their own commissions than your prosperity.

For someone starting out like yourself, most of your fortune will come from hard work and discipline. Complete your education to get a solid job. Save 10% or more of your gross income, however little or much that is, and never spend it. Do not take on any debt, except to get a house, or a car, and in the case of a car, only if that will generate income. If you are not paying off your credit card completely every month, you are getting into debt.

Analogy:

How do I become senior vice-president if I'm unemployed ?

Answer:

Learn to formulate a question so that it actually means something intelligent. That would be a first step in the right direction.

With no money, you pretty much have to wait for a rich relative to die and leave you a million dollars in their will.

Gambling has its chances for your success. But youll probably end up on the streets in a worse condition. UNLESS, you know how to control your money.

Dream on

by dreaming.