<s>[INST] Lori Arroyo is a 19-year-old Female who works as a Engineer. They are currently Divorced and live at 2980 Christopher Junctions Apt. 025, Bondfurt, SC 70524 in UK. They have 1 dependents: Matthew (Age: 1, Gender: Female). Their financial goal is Retirement with a target amount of $97545 to be achieved in 58 months. Currently, they earn $113917 per month and have an expenditure of $16254. They have $5676 in savings, $871 in fixed deposits, $25844 in stocks, $21276 in mutual funds, and $9639 in other investments. Insurance: Home Insurance with a premium of $8492 and coverage of $294476. Debt: Yes, Amount: $6488, Type: Credit Card, Interest Rate: 22.724822130900378%. Loan Start Date: 2022-05-12, Loan End Date: 2031-12-07. No emergency fund. [/INST] Plan for Lori Arroyo: