144K saxib and bad savings? As you said, you lost approx 66% to necessary stuff, where did the other money go? Unless Im not accounting for other expenditures, you should have ample amount of money saved right now.
Gaari: 35K, Fully paid
Left Over: Less than 20K
Grave and Burial savings for FaMily members just in case 5K.
We are Somalis, so there is always money to send too. I am hoping I have tons of Cash equivalent when I meet the Maker in exchange for my sins.