<s>[INST] Danielle Richmond is a 67-year-old Female who works as a Engineer. They are currently Divorced and live at 9387 Mckenzie Mills Suite 612, Gainesland, KS 14418 in India. They have 2 dependents: Kathleen (Age: 7, Gender: Female), Daniel (Age: 22, Gender: Female). Their financial goal is Retirement with a target amount of $103059 to be achieved in 55 months. Currently, they earn $52881 per month and have an expenditure of $30783. They have $35327 in savings, $6440 in fixed deposits, $15628 in stocks, $20895 in mutual funds, and $917 in other investments. Insurance: Auto Insurance with a premium of $2265 and coverage of $289910. Debt: Yes, Amount: $16180, Type: Mortgage, Interest Rate: 4.057939419765545%. Loan Start Date: 2022-04-30, Loan End Date: 2032-02-29. No emergency fund. [/INST] Plan for Danielle Richmond: