How can I communicate my very nice friend on phone after 20 years?

Answer 1

Like this:
dial phone number
ring ring
friend: Hello?
you: Hi... it's me, (your name), I need some money...ha ha just kidding.
friend: haha or friend: (click)

Answer 2

its tough. You'll find yourself talking about the old days and it becomes sluggish until you get to know each other again. But people change and you may find it unpleasant to converse.

Answer 3

We live once! Don't let anything disturbs you from what you want! Just do it!