<s>[INST] Donald Cross is a 47-year-old Male who works as a Engineer. They are currently Divorced and live at 492 Pamela Loaf, Whiteberg, VA 85070 in Canada. They have 2 dependents: Robyn (Age: 23, Gender: Female), Alexander (Age: 1, Gender: Male). Their financial goal is Retirement with a target amount of $163395 to be achieved in 14 months. Currently, they earn $78548 per month and have an expenditure of $25877. They have $5031 in savings, $9214 in fixed deposits, $37226 in stocks, $3548 in mutual funds, and $3627 in other investments. No insurance. Debt: Yes, Amount: $18968, Type: Personal Loan, Interest Rate: 11.449651419338569%. Loan Start Date: 2017-05-21, Loan End Date: 2031-11-18. No emergency fund. [/INST] Plan for Donald Cross: