<s>[INST] Miguel Richardson is a 65-year-old Female who works as a Teacher. They are currently Divorced and live at 616 Aaron Summit Suite 898, East Morgan, SD 74508 in USA. They have 1 dependents: Gary (Age: 10, Gender: Female). Their financial goal is Retirement with a target amount of $156885 to be achieved in 24 months. Currently, they earn $112575 per month and have an expenditure of $29024. They have $48105 in savings, $22799 in fixed deposits, $26915 in stocks, $8429 in mutual funds, and $1101 in other investments. Insurance: Auto Insurance with a premium of $8594 and coverage of $73460. No debt. No emergency fund. [/INST] Plan for Miguel Richardson: