When you hear about coins being worth more than face value, you figure it's highly unlikely you'll ever encounter one and that coins like that are pretty rare, and while the most valuable coins are indeed hard to come by, there are plenty out there that are surprisingly common. Among them are quarters that came out just a few years ago that are now worth not 25 cents but about $20, and millions of them exist.
The Coinhubs Instagram account explained what to look for. You want to find a quarter from either 2019 or 2020. On the tails side, the 2019 ones show scenes commemorating either Massachusetts' Lowell National Park, Guam's War in the Pacific National Park, the Northern Mariana Islands' American Memorial Park, Texas' San Antonio Missions Park, or Idaho's Frank Church River of No Return Wilderness. The 2020 ones show either Kansas' Tall Grass Prairie, the National Park of American Samoa, Connecticut's Weir Farm National Historic Site, the U.S. Virgin Island's Salt River Bay, or Vermont's Marsh-Billings-Rockefeller National Historic Park.
On the heads side of these, under where it says "In God We Trust," if there is a letter W, you're in luck. That letter is the mint mark, and a W means it was created in West Point, New York. Only ten million quarters were minted there in 2019 and another ten million in 2020 - two million of each design. It may seem like a lot, but with just two million in circulation, those quarters are considered somewhat rare.
With millions of the quarters out there, plenty of people are going to find them. Only the nicest mint condition ones will fetch top dollar, but you can still get a lot more than 25 cents for it. A pawn shop might give you a few bucks, or you could try your luck on eBay or in a Facebook group for coin collectors. Another option is to just save it - it will only increase in value as the years go by.
And if you find yourself digging through your couch cushions or rummaging through your coin jars, be sure to keep an eye out for some other coins that might have value!