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-\frac{20+9}{20}-\frac{4}{5}
Multiply 1 and 20 to get 20.
-\frac{29}{20}-\frac{4}{5}
Add 20 and 9 to get 29.
-\frac{29}{20}-\frac{16}{20}
Least common multiple of 20 and 5 is 20. Convert -\frac{29}{20} and \frac{4}{5} to fractions with denominator 20.
\frac{-29-16}{20}
Since -\frac{29}{20} and \frac{16}{20} have the same denominator, subtract them by subtracting their numerators.
\frac{-45}{20}
Subtract 16 from -29 to get -45.
-\frac{9}{4}
Reduce the fraction \frac{-45}{20} to lowest terms by extracting and canceling out 5.