<s>[INST] Kelly Joseph is a 42-year-old Male who works as a Artist. They are currently Divorced and live at PSC 2039, Box 2889, APO AA 28228 in USA. They have 1 dependents: Michael (Age: 20, Gender: Female). Their financial goal is Travel with a target amount of $196129 to be achieved in 46 months. Currently, they earn $95681 per month and have an expenditure of $21522. They have $46540 in savings, $20830 in fixed deposits, $10208 in stocks, $11135 in mutual funds, and $15066 in other investments. Insurance: Health Insurance with a premium of $2665 and coverage of $469744. Debt: Yes, Amount: $13654, Type: Mortgage, Interest Rate: 5.72259519675202%. Loan Start Date: 2023-07-26, Loan End Date: 2029-05-08. Emergency Fund: Yes, Amount: $3408. [/INST] Plan for Kelly Joseph: