<s>[INST] Teresa Sherman is a 63-year-old Male who works as a Teacher. They are currently Single and live at 2158 Matthew Roads, Port Jenniferland, OR 03583 in India. They have 2 dependents: Nicole (Age: 30, Gender: Male), Sabrina (Age: 17, Gender: Male). Their financial goal is Save for Education with a target amount of $167956 to be achieved in 28 months. Currently, they earn $83112 per month and have an expenditure of $17944. They have $45312 in savings, $6184 in fixed deposits, $39163 in stocks, $8769 in mutual funds, and $4683 in other investments. Insurance: Life Insurance with a premium of $3917 and coverage of $386396. No debt. No emergency fund. [/INST] Plan for Teresa Sherman: