>You're not going to become an entrepreneur with $20k since that won't pay for office space, equipment, etc.

Not if you spend it on office equipment. The $20k buys you $20k worth of free time in your life to work on your personal projects, ideas, hobbies without your life falling apart as a consequence.

That's enough time to set up a small leather-working shop in your garage, or build an app, or start a podcast, or write a few chapters of a book.