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The rate Mick pays for something changes daily.
When the game saves in the morning, buy gold and try your luck; if it's a bad deal, reload the save and try the next day.
I'd wait until you can buy at least 20+, just keep laundering until then.
You just launder it... it only takes 24 minutes for the full 20k; You spend the cash inbetween restock cycles so you don't need it, or you leave a spendable buffer. It's not rocket science.
This is for the 10 million achievement; Money is pointless in the games current state, once you own all properties, businesses and any car you're interested in.