Ta có: \(\frac{1}{5^2}< \frac{1}{4\cdot5};\frac{1}{6^2}< \frac{1}{5\cdot6};\frac{1}{7^2}< \frac{1}{6\cdot7};\frac{1}{8^2}< \frac{1}{7\cdot8};....;\frac{1}{20^2}< \frac{1}{19\cdot20}\)
\(\Leftrightarrow M< \frac{1}{4\cdot5}+\frac{1}{5\cdot6}+\frac{1}{6\cdot7}+...+\frac{1}{19\cdot20}\)
\(\Leftrightarrow M< \frac{1}{4}-\frac{1}{5}+\frac{1}{5}-\frac{1}{6}+\frac{1}{6}-\frac{1}{7}+....+\frac{1}{19}-\frac{1}{20}\)
\(\Leftrightarrow M< \frac{1}{4}-\frac{1}{20}=\frac{4}{20}=\frac{1}{5}\)
=> \(M< \frac{1}{5}\left(đpcm\right)\)