I would probably use four singles and then 3 x 3 or 4 x 2 in the other races. Then I would pick my top horse out of the spread-out races as singles, and throw in a substitute or two in one of my original singles races.
Just because I was undercapitalized doesn't mean I would bet all chalk. I'd still look for a race or two where I didn't like the favorite and I'd make sure to leave those favorites off all my tickets. There's no room for lukewarm favorites on a $20 pick 6 ticket.
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