Are the fancies juveniles or adults? If they're juveniles, they need 30 gallons of water for the first fish and 10 to 20 gallons for each additional fish. For adult fancies, you need 55 gallons of waters per fish. It sounds insane, but if you look at the sticky in the Coldwater thread, you'll see pictures by a goldfish expert on how HUGE these fish grow. When kept in too small tanks, they either die quickly of water poisoning or become stunted, meaning their outsides stop growing, but their insides don't, leading to a slow, painful death.
I would highly recommend you return at least 7 of those fancies. One could live comfortable in a 40 gallon alone for a time, until it needs to be upgraded to a 55 as an adult.
As for the betta--goldfish are coldwater fish. Bettas tropical. They are not compatible species at all. Bettas are very aggressive and he might one day get the idea to kill off his tankmates because their long, flowy fins look like competition.
He needs his own separate 5 to 10 gallon tank, heated and filtered.
Your water will never be anything but brown, unfortunately, with that overstocked a tank. Pet stores won't tell you any of this because, if your fish gets sick, you spend lots of money buying every product possible to make it better. Then, when it dies, you spend more on a new one, and the cycle perpetuates itself. For the stores, it's about financial gain, not fish health.
It's great that you got the API test kit. I strongly recommend you test the water right now. My guess is that your water parameters are off the charts, ammonia and nitrite-wise.
I do own goldfish. I do not intend any rudeness at all--none at all, I promise--but no goldfish can live in a 20 gallon tank. None. Any experienced goldfish keeper will tell you this. Fancy goldfish grow to a minimum of 8 inches. Single tailed goldfish can grow to 12 inches. Lack of space results in stunting, meaning their outsides stop growing, but their insides don't. Goldfish also produce enormous amounts of waste, more than almost any other freshwater aquarium fish, so they literally poison each other in too-small spaces, regardless of diligent water changes. Juvenile fancies need 30 gallons of water for the first fish, as you said, and 10 to 20 for each next fish. However, they grow fast, and will soon need 55 gallons of water per adult fish. Again, I intend no rudeness at all. I'm just saddened when I hear of goldies kept in 20 gallons. They suffer so terribly.
I have 2 comets in a 50 gallon and need a 200 gallon just for those 2 fish very soon. I just got an 80 gallon yesterday and hope to upgrade to a 160 in the next six months. My fish have grown 1 inch in three weeks. They grow FAST!!
It's so sad how misinformed people get by going to big store pet stores ie: Petco. The salesman I am dealing with is the manager of the fish dept. He has 4- 2ft gf in his 55 gallon tank and didn't blink an eye when he said it. He's had them for 10+ years. He did not seem to think the space was too small for his fish.
Pip Walters: i have a 44 gallon tank. What can I safely put in there. How many gold fish?
I'm no goldfish expert but I think some rules are a bit extreme. I think you could for sure have atleast 2 in there with good water changes and filteration even with them growing to 8"