<s>[INST] Crystal Johnson is a 65-year-old Male who works as a Teacher. They are currently Married and live at 268 Alvarado Neck, Heathfort, NY 73524 in India. They have 2 dependents: Rebecca (Age: 4, Gender: Female), Loretta (Age: 14, Gender: Female). Their financial goal is Retirement with a target amount of $60182 to be achieved in 47 months. Currently, they earn $107782 per month and have an expenditure of $25000. They have $13279 in savings, $14100 in fixed deposits, $1218 in stocks, $13750 in mutual funds, and $13721 in other investments. No insurance. Debt: Yes, Amount: $19539, Type: Personal Loan, Interest Rate: 10.41371618924432%. Loan Start Date: 2021-08-06, Loan End Date: 2027-09-09. Emergency Fund: Yes, Amount: $11137. [/INST] Plan for Crystal Johnson: