I have a 20g tank as well. I mix 2gal of salt water in a pail on Friday and keep a powerhead in the bucket, then on Saturday I put a 75watt heater in the bucket and it gets up to temperature in about half an hour with the powerhead circulating the water over the heater. A new kettle probably costs just as much as a heater anyway and you get the exact temp. you want.
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