Marianne and Roger are in good health and have reasonably secure careers. Each earns $$55000$ annually. They own a home with a $$195000$ mortgage; they owe $$14000$ for their car loans, and have $$6000$ in student loans. If one should die, they think that funeral expenses would be $$14000.$ What is their total insurance needs using the DINK method?

$($Round your answer to the nearest whole number. Do not include the comma and $"$$$"$ sign in your response.$)$