If I had $20k to spend I would take the best driving school I could find. Bondurant, Skip Barber, etc. With a budget like that you could probably do a boot camp of some sort and come out with multiple racing licenses not to mention that I bet it would make you faster in the stock car than with all those mods and no instruction!
A track monster is something like travis' car... you won't be driving it on the street. Drop weight like mad, put in a full 6pt cage and race seats then start working on
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