my guess is that to stake at all, your wallet needs a weight of ca. 80 Million coin days, to come close, as long as the network weight is >100 Billion. With 20 k coins, this would likely take ca. 4000 days, or roughly 11 years...   One million in one block should stake every 2 - 3 months... If the Million is split in to smaller amounts, you might stake more frequent (as the weight doesn't drop much after each stake) - but those will be small rewards only, and on average be slower, so you would loose out on compound interest.


You could probably have near to daily stakes with one million only if you cut it in many small inputs of around 30-40 k each. But the initial wait would probably near 3 months, and the daily rewards would be very small... For 300 k my guess would be 6 - 8 months until you reach first reward.

Almost daily staking, that doesn't slow reward down for everyone, would require at least 20 inputs of at least 2 Million each, so a total wallet size of >40 Mio

Sorry, but with the actual network weight, and almost 20 Billion coins likely staking, 20K is far to little to expect reward in any reasonable time - you might have a look at the guess that is shown when you pull your mouse over the green arrow - while the time decreases fast in the first few days, (and can go up sometimes, if more people take their wallets online) - it will probably take longer than indicated  with a relative small amount, when you have been staking for more than 10 days... / there is a possibilty, that, without changing the rules, 20 k on their own will never hit a block before max supply is reached.