you are at a max on your bio-load with that size of a tank. What kind of goldies are they?
I would say you need to double up on the filtration, in other words. When you see a filter on the LFS shelf that says it's good gor a 20 galon tank, get 2..... or get 1 filter that can handle a 40 gallon load. Then you need to change the water, at least 50% probably every 4 days for the size tank they are in, provided they are fancies.