Goat herder Ahmed has been a conscientious saver for years. By January 2020 he has managed to put aside $26,000. Ahmed lives a frugal life in 2020 and manages to save a further $388 every month. Unfortunately, in the winter months, Ahmed loses some of his goats to unusually cold weather and is forced to borrow $3,800 from his uncle Jamal. What is Ahmed's net worth at the end of 2020