[fluff]

First of all, I would forget restaurants or daytrading. Your "bankroll" even at 20k is not enough. For daytrading in particular, you won't even be able to beat the rake (commission). Without any solid experience/plan in the matter, you'll lose all of it anyway, so no bankroll will be big enough and the point is moot.

Second of all, you need to establish how much of that money will be needed for your poker bankroll, and that depends on a few things: are you going to "withdraw" from your bankroll for anything, what expenses do you have, what is your expected return, what is your risk tolerance...etc. Judging by the limit you play, you'll probably want your bankroll between 5-10k.

Now what to do with the rest depends on your goals. How long do you want that money to be invested? Are you going to need it in the near future? Do you need it to be fairly liquid? How much time are you willing to spend researching your investments?