Have you done any cheating or grinding? It's unusual for me to hear that a player has that much extra.
I have 25K extra, mainly because I'm on day 476. I also usually grind all the way to the bar at first with pictures and getting everybody as soon as possible, so by the time any expenses come, I can just say "money ain't a problem, do it whatever it needs to be done". This is why I said in an earlier post that this game needs a long term money sink (like those special expensive dates I've mentioned). I think you calibrated this game to have the length of like 60-90 days mostly, but... truth to be told, this is simply too good to put down after that. You've done way better than what I think you expected from yourself.