Yep. She has 148,500 Yen

You could probably get a pretty nice Chain Shirt for 80 K Yen. Only hampers speed a very small bit, but it provides a good armor, a bit more than Leather and Cloth do. 

ATM Card for the Abyss costs 5,000 Yen, but its highly convient to have (this doesn't factor into the purchase) and prevents the extra 10% charge on all cash purchases. 

Quick instant delivery is 5,000 Yen. (also not part of discount)

Total will be 142,500 for purchase, 156,550 if you use cash. Two additional charges will add it all to 166,550 (ATM Card, quick delivery). 

So you are a bit short on cash. I will allow you to either A: Sell something to either Saito or Genji, B: Ask your parents for money (Negotiation Roll), or C: Try and hope to fight a Mob Boss.