Both are correct.
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20% of $20,000 = 20% * 20000 = 0.2 * 20000 = $4,000
20000 is rounded to the nearest integer, ten, hundred, thousand and ten thousand.
20% of 20000 = 20000*20/100 = 4000
20000
The number 20000 is 20,000 or twenty thousand.