Lets say I have an excel sheet with 4 columns of data & 20,000 rows of data in each column.
What is the most efficient way to get it so that I have all of that d
Take a look at Blockspring - you do need to install the plugin, but then it's just another function you call like this:
=BLOCKSPRING("twodee-array-reduce","input_array",D5:F7)
The source code and other details are here.
If this doesn't suit and/or you want to build off my solution, you can fork my function (Python) or use another supported scripting language (Ruby, R, JS, etc...).