To calculate how much Lily will have left over after buying the ticket and supplies, we need to subtract the total cost of the ticket and supplies from the amount of money she has.
Total cost of ticket and supplies: $4,689 + $9,000 = $13,689
Amount left over: $20,000 - $13,689 = $6,311
Therefore, Lily will have $6,311 left over after buying the ticket and supplies for her trip to Antarctica.