Sorry but you're completely wrong. When he says 2020, he's referring to the year end in 2020 which in Liverpool's case in the end of May - therefore the transfers of Jota, Thiago and Tsimikas aren't included.
As I explained above, these are the actual numbers of what the club spent or committed to spending on transfers, not the installments paid. I appreciate you're not an accountant which is why I suggested reading SwissRamble's analysis as he breaks it down in a more simple way for people to read and understand.
Fair enough, he's not clear but I take your word for it that it's what he means.