Gunnerssugarbar, There is no way in the world that the saddle you are in or any 16" fits you. You may be able to get in it but it isn't good for you or your horse. I'm 5'10, weigh 195lb and ride in a 17" high back ranch saddle.
You need to be able to put your fist between your tummy and the saddle horn as well as space between your bum and the cantle for the saddle to fit properly.
Wow...... I honestly have no words for how rude this sounds and it's like being called a fatty again like in middle school. THAT saddle in that picture, I do not have anymore. In case you failed to read that part. The 16" dakota I have does fit much better and was GIVEN to me.... You ride in what you have. There is a stream of ugly thoughts going through my head because I honestly don't recall asking for advice on how to fit in a saddle. OH and I'm also 15 lbs lighter than in this picture and losing. Would I like a bigger saddle.... sure... but I don't have $500+ to shell out for one.