<s>[INST] Mr. Jerry Ruiz III is a 29-year-old Male who works as a Engineer. They are currently Divorced and live at 5052 Regina Underpass, West Amyport, AS 48710 in India. They have 1 dependents: Bonnie (Age: 15, Gender: Female). Their financial goal is Save for Education with a target amount of $196830 to be achieved in 43 months. Currently, they earn $108138 per month and have an expenditure of $39310. They have $21593 in savings, $16027 in fixed deposits, $22045 in stocks, $10151 in mutual funds, and $18644 in other investments. No insurance. Debt: Yes, Amount: $3419, Type: Personal Loan, Interest Rate: 9.979733162223242%. Loan Start Date: 2015-03-10, Loan End Date: 2028-11-28. Emergency Fund: Yes, Amount: $8567. [/INST] Plan for Mr. Jerry Ruiz III: