<s>[INST] Michael Frey is a 34-year-old Female who works as a Doctor. They are currently Married and live at 27929 Danielle Route, North Geraldside, WI 21419 in India. They have 1 dependents: Raymond (Age: 4, Gender: Male). Their financial goal is Save for Education with a target amount of $114932 to be achieved in 24 months. Currently, they earn $82682 per month and have an expenditure of $46319. They have $6285 in savings, $14131 in fixed deposits, $31165 in stocks, $19330 in mutual funds, and $2651 in other investments. No insurance. No debt. No emergency fund. [/INST] Plan for Michael Frey: