Go to information, creatu search to find out the value of the various creatu in their various colors. 20k is not a lot of money and won't get you much beyond naturals, sepia and maybe a few creams. Mostly natural, of the more common types like Berroks.
Way's to make money- Do all the daily luck stuff, start stocking up on various stuff from shops to make money doing the quests. If your a merchant start stocking up your store. If your a rancher, start stocking up that ranch. Also, you can collect up to 100 eggs per day from the various planets. Put those eggs up for sale on the egg market. Do all of these things and start saving up and then you can get some of the really, really, really cool creatu.
Also another way to make money is by selling pet's on the pet aucitons, or by putting items up for sale in item aucitons.
You could also put up to 10 items up for sale in trades and try to make some Tu that way.
Hope this helps.
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