Whoops, missed my response to this one....
$20M doesn't buy much in terms of quality starters, assuming any are even available, but again, I don't expect to chew up 20M on Bhak in 2024, regardless if he stays or not.
At RG, the top 7 players have a yearly average of 10M or more. Players in the 2-6M range, the next 7 or so, are either old will be FAs in 2025. I expect these plays to either age out/retire or if these players are good, they'll probably demand 10M per year.
I mention RG as it tends to be one of the most under-valued positions, though Center has a similar curve. As does safety.
Realistically, if you take your 20M to FA looking to solve more than 2 positions, you're going to be disappointed. Or you're going to fill in gaps, your 3rd guard or your backup nickel corner.