Sometimes when we do multi-digit subtraction, we may encounter something like 5-9, and you cannot count 9 times backward from 5. Instead, we subtract one from the digit to the left and add 10 to the digit.
5 - 1 = 4, but 8 - 9 is not on the list, so we must carry a 10
4 - 1 = 3 and 18 - 9 = 9
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8 - 3 = 5, but 3 - 9 is not on the list, so we must carry a 10
5 - 1 = 4 and 13 - 9 = 4
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