Oh jeez I must have missed the sand part....
....step 1 I'd get rid of the sand and go with gravel. Sand compacts, leaving it with very little inhabitable spots for your nitrifying bacteria. However, it creates a lot of anoxic zones which can either be good (i.e. there's enough of a carbon source for denitrification), or really bad if hydrogen sulfide is produced. This happens in the absence of a proper carbon source and creates the "rotten egg smell" (as mentioned). If this in going on you might see grey/black patches in your sand, against the glass, near the bottom. IT IS TOXIC, but a 20g tank wouldn't be dangerous for you. However, if it gets kicked up at once it can kill fish (seen it happen). Actually 2 aquaculture technicians (my job) died last year when they stirred up some muck in a sludge sump. Well, the first guy stirred it, collapsed, and the second guy jumped in when he saw him, and collapsed.
But if you aren't noticing hydrogen sulfide, you may be smelling the products of incomplete nitrification, such as ammonia. Try gravel and report back in a month when it's cycled.