[epatrca]

Lotsa folks dont change trans fluid... or any fluid. Ever. Many from that "appear" to get away with it. They dont really.

20k is probably early but within the realm of possible. Examples exist.

My mother always does the, "can it wait til next time?". Seems to have worked for her. Try that approach maybe

Have a 2017 Changed Tran fluid an coolent with flusher 50,000 doing def at 75,000