<s>[INST] Charles Lutz is a 29-year-old Male who works as a Doctor. They are currently Married and live at 54069 Mejia Vista, Woodsville, NE 28686 in UK. They have 1 dependents: Harold (Age: 23, Gender: Female). Their financial goal is Save for Education with a target amount of $165282 to be achieved in 44 months. Currently, they earn $50625 per month and have an expenditure of $17509. They have $49103 in savings, $28073 in fixed deposits, $6920 in stocks, $9774 in mutual funds, and $17694 in other investments. Insurance: Life Insurance with a premium of $1345 and coverage of $317290. No debt. No emergency fund. [/INST] Plan for Charles Lutz: