The combined income of 'X' and 'Y' is Rs. 1,50,000. 'X' spends 60% of his income, while 'Y' spends 70% of her income, such that the savings of 'Y' are Rs. 10,000 more than that of 'X'. If the income of 'Z' is 20% less than the average savings of 'X' and 'Y' together, then find the savings of 'Z', given that 'Z' saves 25% of his income.