<s>[INST] Kenneth Ruiz is a 66-year-old Male who works as a Engineer. They are currently Married and live at 90418 Kyle Village, North Timothytown, FM 64966 in USA. They have 5 dependents: Michele (Age: 15, Gender: Male), Judith (Age: 24, Gender: Female), Kenneth (Age: 10, Gender: Female), Whitney (Age: 15, Gender: Male), James (Age: 24, Gender: Female). Their financial goal is Travel with a target amount of $192540 to be achieved in 51 months. Currently, they earn $58084 per month and have an expenditure of $47978. They have $14009 in savings, $13301 in fixed deposits, $43418 in stocks, $22889 in mutual funds, and $12493 in other investments. No insurance. No debt. No emergency fund. [/INST] Plan for Kenneth Ruiz: