Conditional Formatting Q: Color Row if certain cells within row add to cell value

As the subject states, I'd like to color a row if the sum of certain cells within that row equal the value of another cell in the same row. In my scenario, I want, for each row considered, the following:

If the sum of E20, G20, I20, K20 & M20 equals B20, then color the text red. This can only happen if B20 is not blank. If B20 is blank, I don't want the rule applied. If the value of B20 is $0, the rule should apply, as there may be times when that line item was done for free.

In the attached file, I am formatting the rows based on there being a "Y" in adjacent cells, showing that a payment has been made. However, I can split that payment into two or three by inputting a decimal value instead of "y." (i.e. across the row, if I enter .5 twice, it will add up to one whole payment). When I do this, while the full payment HAS been made, the row is not colored since there is no "y" saying it's paid in full. If I enter Y in an adjacent cell, it will add another payment, which is where the problem arises.

I can't seem to get the conditional formatting formula right.

Please lend a hand!

Thanks,

Thanks Ben. Now, is there a way to clear cells of data if a cell in that same row is blank/null? I.e. if B20 is blank, then cells E/G/I/K/M20 should also be blank (instead of 0, as the cell is set as default)