<s>[INST] Steven Smith is a 31-year-old Male who works as a Artist. They are currently Divorced and live at 692 Joseph Shores Suite 169, Jamesberg, MA 50645 in India. They have 1 dependents: William (Age: 24, Gender: Male). Their financial goal is Save for Education with a target amount of $130523 to be achieved in 31 months. Currently, they earn $47435 per month and have an expenditure of $42435. They have $24120 in savings, $21013 in fixed deposits, $25042 in stocks, $22459 in mutual funds, and $7822 in other investments. No insurance. Debt: Yes, Amount: $8597, Type: Mortgage, Interest Rate: 6.021473933535265%. Loan Start Date: 2015-06-29, Loan End Date: 2026-05-06. No emergency fund. [/INST] Plan for Steven Smith: