20% would be great if there was 0% inflation. As the dollar is been debased, are you sure you are making any money in real terms?

That money invested in bitcoin or ETH would 3x every year.

Being a millionaire is easy, just buy some toilet paper and move to Venezuela. Being wealthy is a bit harder. You want to own something that it's scarce, not something that has an unlimited supply like the US$.

Not financial advice.