How did you just "obtain" 20k?
There's a quest that gives you 20,000 gold from DBH but anything more and it's a spoiler if you haven't done it.
Anyway my character is close to 100,000 gold for the PSN trophy but after i get it I'm probably going to fix up the dawnstar sanctuary too. The thing with me is, i'm a money hoarder where i rarely don't want to spend money on stuff unless it's health potions or something.