1. Can be used to meet daily needs, such as purchasing food, clothing and daily necessities.

2. 20,000 Zambian rupees can also be used to pay for some services, such as transportation expenses, medical expenses, etc.

3. You can also consider depositing the money in the bank as savings, or investing in stocks, funds or other financial products to increase your wealth.

How you ultimately use the money depends on your personal needs and priorities.