We're dividing 194673 by 20 
We want to figure out the number of times 194673 can be divided by 20.

Advancing to step 1:
The number 20 fits into 1 0 times, leaving a remainder of 1.
Use 0 as the next digit of our solution. 
Result so far: 0.0
If we take 0 away from 1, we end up with 1.
Include the next digit (9) from the dividend after 1, then repeat: 19 / 20

Advancing to step 2:
20 goes into 19 0 times with a remainder of 19.
Use 0 as the next digit of our solution. 
Result so far: 0.0
The remainder is 19 after subtracting 0 from 19.
Fetch the next digit (4) from the dividend, attach it to 19 and continue: 194 / 20

On to step 3:
When dividing 194 by 20, we get 9 with a remainder of 14.
The number 9 becomes the next digit in our result. 
Result so far: 9.0
If we subtract 180 from 194, we get 14.
Bring next digit (6) of the dividend behind the 14 and repeat the process: 146 / 20

Going ahead to step 4:
20 can be fit into 146 7 times, resulting in a remainder of 6.
The number 7 becomes the next digit in our result. 
Result so far: 97.0
Subtract 140 from 146 to get 6.
Fetch the next digit (7) from the dividend, attach it to 6 and continue: 67 / 20

On to step 5:
20 can be fit into 67 3 times, resulting in a remainder of 7.
The next digit of our result is 3. 
Result so far: 973.0
If we subtract 60 from 67, we get 7.
Bring next digit (3) of the dividend behind the 7 and repeat the process: 73 / 20

Advancing to step 6:
20 goes into 73 3 times with a remainder of 13.
Put 3 as the next digit of the answer. 
Result so far: 9733.0
Deduct 60 from 73 and we're left with 13.
Since there are no more digits in the dividend, we add a zero to the remainder making it 130, and continue the process.

Step 7:
130 divided by 20 is 6 with a remainder of 10.
Use 6 as the next digit of our solution. 
Result so far: 9733.6
Subtracting 120 from 130 leaves us with 10.
Since there are no more digits in the dividend, we add a zero to the remainder making it 100, and continue the process.

On to step 8:
If we divide 100 by 20, we get 5 and a remainder of 0.
Record the quotient 5 as the next digit in the result. 
Result so far: 9733.65
If we take 100 away from 100, we end up with 0.
Since there are no more digits in the dividend, we add a zero to the remainder making it 0, and continue the process.

On to step 9:
20 goes into 0 0 times with a remainder of 0.
The next digit of our result is 0. 
Result so far: 9733.65
The remainder is 0 after subtracting 0 from 0.
Since there are no more digits in the dividend, we add a zero to the remainder making it 0, and continue the process.

Going ahead to step 10:
The number 20 fits into 0 0 times, leaving a remainder of 0.
The number 0 becomes the next digit in our result. 
Result so far: 9733.65
The remainder is 0 after subtracting 0 from 0.
Since there are no more digits in the dividend, we add a zero to the remainder making it 0, and continue the process.

In conclusion, the division gives 9733.65 with a balance of 0.0.