Total saved each month = $126098
Saves for 3 years
Her mother takes = $1000 each year for three years
+ 6 months
Total money = 126000 x 12 x 3 = $4536000
Money that takes her mother = (3 x 1000) + (6 x 126098) = $759588
Money left = $45366000 - $756588
= $44609412