First you need to find the total number of people going on the trip.
20 + 6 + 13 = 39
Since only 10 people can fit in each boat, you can divide the total number of people by 10.
39 / 10 = 3.9
Since the answer is not a whole number, you round up to the nearest whole number. You can't round down because if you do, there will be people without a boat to go in.
3.9 rounds up to 4. You need 4 boats.