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20 gallons will be fine to house your 3 fish. Trust me the 10 gallon rule per fish is an exaggeration made by people being too careful about their fishes health.
No, it isn't.
But you needn't take my word for it: read any books on keeping goldfish, or refer to any other professional sources, and you will see that all goldfish experts recommend a minimum of 10 gallons per fish for fancies, and a minimum of 20 gallons per fish for commons, comets or shubunkins. There are several extremely good reasons for this, including water quality management, disease prevention, growth, lifespan and general well-being.
Hooker, it would be best if you could get your fish a 30-gallon tank now. If you do keep them in the 20-gallon you should keep a close eye on water quality and upgrade them to a larger tank as soon as you can. As for making a difference - just take a look at your fish a month after you've moved them to the larger tank and you'll be amazed at how much faster they are growing and how much more lively they are.