You users table is fine. (Make sure you're using the right datatypes - varchar(X)/int() - and A_I/PRIMARY_KEY for the ID)
Item Desc: ID,NAME,TYPE,ATTACK (again with correct datatypes)
Inventory: ID, USER_ID, ITEM_ID, [.. anything else you might need] (all int() datatypes, with A_I/PRIMARY_KEY for the ID)
Use a new row for each item in a users inventory. Otherwise 20 columns is uneccisarily bulky. This also makes time for a LEVEL column, for instance.
Hopefully that makes sense?