$20k is on the low side for what you're trying to do - good chance it will run out as you're just getting started. On average both of these options work out to basically burning $20k, maybe learning stuff along the way, maybe not. Which could be fine depending on your financial situation and risk tolerance.
But don't do either if that's your only $20k. Certainly don't go into it with the expectations that you'll get a reliable return on the investment.
Since you're asking about other options - you can always invest in stocks and other assets but it's hard to give advice about it without knowing your financial situation and goals.
But don't do either if that's your only $20k. Certainly don't go into it with the expectations that you'll get a reliable return on the investment.
Since you're asking about other options - you can always invest in stocks and other assets but it's hard to give advice about it without knowing your financial situation and goals.