It is: 20,000 -100 = 19,900
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Well, honey, one less than twenty thousand is nineteen thousand, nine hundred and ninety-nine. It's not rocket science, just basic math. So, there you have it, simple as pie.
10,000 - 20 = 9,980
9,900 (nine thousand nine hundred)
That would be 99,999. It is written out as ninety-nine thousand, nine hundred ninety-nine.
23,000 or 20,000+3,000 or twenty three thousand