<prompt> Human: Artist here, 44yoBeen surviving doing pizza delivery design bad-paid jobs dont have a pool of clients nor networkI just got 20k Thinking on building an app or online business with that cash but I lack an idea of a scalable business that could generate 3kmonthOr, find a job? Which kind?  <response>: I suggest you keep that 20k in savings and try to find a job. You dont need to spend any of your savings to earn more money via regular employment. Building an app or starting an online business would only work if you have a good idea and the skills to implement that idea. 20k wont buy you an app that people will pay for or a great business idea. 