Luckily the R55 is a dual lane road in each direction with a decent emergency lane and would be really quiet on a Good Friday morning at 6am. So little chance of other road users affected.
The driver probably drunk, which is much more dangerous than any cyclist will ever be.
If it's gobbled up by living expenses it means you are living above your means for your plan to turn it into a R1 million in 4 years. The more you invest now, the less you have to invest in the future.