20gal Questions.

[Xtasia]

Unless you get a clone, I would recommend staying away from anemones if possible for now..

a.) By the tone of the post you sound relatively new.. Anemones are not easy to care for.
b.) Anemones require feeding. buying their food is going to add up. Esp on a student's budget.
c.) Environmentally speaking, it's not a good idea to buy a wild anemone and clown because of the effects it has on the ecosystem to attain it. I've done alot of reading on anemones at Reefcentral and it seems that while SOME make it into their 2nd year of captivity the vasty majority do not. Kinda sad! Please don't let yourself be one of these people.
d.) The anemone may be able to survive on the suggested light, but the combination of general saltwater inexperience (water parameters, knowing what's "normal", research/education, lighting, feeding savvy.. is all going add up to make the entire experience more challenging for you than it needs to be. Seriously wait a bit til you learn the ropes better, then get a clone .
e.) Anemones die often due to poor husbandry: sucked up into powerheads, bleach out and die to poor light, don't get fed often enough, harassed by their clowns until they melt, etc...
f.) Depending on the clownfish, you can get them to host in anything almost.. Personally I've seen them host in... pvc pipe, open brain (trachyophylla), frogspawn, mushrooms, rhodactis, sun corals, fungia.

You can keep the lights you have, but be careful what you put in there. if things look unhappy be sure to trade it to someone else before it gets to the point of no return. I'd start with low light corals and slowly move into other more light demanding types...

Doesn't hurt to have a skimmer, I figure.. but don't worry for a little while if you don't have it. Make sure you have alot of flow atleast.

whew.. good luck..