A twenty mile radius from downtown buys you three bridges of waste
Radius targeting draws a circle the bay does not respect, and you pay for every mile of it.
Twenty miles from downtown reaches deep into Pinellas. On a map it looks like one market. In practice the crossings are limited, the Howard Frankland, the Gandy and the Courtney Campbell, and a job that looks fifteen minutes away can eat an hour at the wrong time of day.
Replace the circle with named locations. Cities and postal codes you have deliberately chosen, each one somewhere you would happily take a door tomorrow. Exclusions matter as much as inclusions, so remove the places you would decline before you ever spend a dollar there.
Check the location setting itself, not just the map. Targeting people merely interested in a place, rather than present in it, quietly widens your reach in a way that looks fine in the interface and shows up as unqualified calls.
Advertising a whole metro you can only half serve is the most expensive mistake available in this account. You buy the click, your team takes the call, and then somebody has to say no. You paid full price for that conversation.