life, dude, is 50 years or more, as an ADULT. so 20k would be $330 a year, unless SAFELY invested. The US and many countries have 5% or more inflation EVERY year, so if you make 6% per year on an investment and are taxed 17%, you make NOTHING, beyond what inflation takes. So, frankly, you are full of it with your 20k supports you for life claim.