Everybody's looking at him as if he invested in a Ponzi Scheme. Jeezus its a game, and as long as he doesn't hurt other peoples experience, who cares? (Unless your work for PD) . Well, at least he didnt try to justify it like others by saying "Im against MT so im doing it" "this is for 'Merica" and stuff like that. I don't glitch but I don't care if people glitch
Well I can answer your question.
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Wisefire You can do many things with 20million. One is to blow all of it on one of the 20m cars, the p330, xj13, or ford mark something. I wouldn't cause those cars are played out.
I would suggest splitting it between many things. Buy a FGT for 2m cause it handles better now in GT6. Buy a GTR Black Edition '12, this car will clear B, A, IB, and parts of IA depending on mods. For the harder championships, such as the IA World Championship, buy a Toyota Minolta for 2m as well. That car will clear everything else that the GTR Black couldn't do. Thats efficiency, with the FGT being an optional buy (just for kicks) you spent between 2.1-4.1 mill creds.
That leaves about 17.9-15.9 mill creds left, with that you could buy cars specific to certain races (Muscle Car races, Tour of Italy etc.) Then maybe you could expand your car collection, which will probably be more likely, so you'd pick the fancy smancy supercars.
Huayra, Reventon, 177, FXX, TZ3 Stradale are the new ones, the Huayra and Reventon is 2.5m, the FXX is 2m, 177 is 1m ish, TZ3 Stradale is about 600k. All in all your total 6.1m estimate.
Subtracting from the other two cars you bought (or three with the FGT) you are left with about 11.8-9.8 mill credits.
From here whatever you do is up to you, you could go out and buy the chump supercars (100k-300k cars) fix em up and admire them or whatever.
I would maybe buy 3-4 more cars, and if your planning to go legit from here, hold on to the money for when new content comes out, or just buy another AMG VGT to glitch again.
All in all, to beat the game efficiently you need a GTR Black, and a Toyota Minolta, other people might have different opinions, but these 2 cars were all I needed.