<s>[INST] Denise Howell is a 48-year-old Male who works as a Doctor. They are currently Single and live at 4474 Mandy Fords, Bryantown, KY 34136 in UK. They have 0 dependents: . Their financial goal is Save for House with a target amount of $439649 to be achieved in 95 months. Currently, they earn $97960 per month and have an expenditure of $31550. They have $25822 in savings, $25204 in fixed deposits, $1342 in stocks, $13150 in mutual funds, and $4820 in other investments. Insurance: Home Insurance with a premium of $5291 and coverage of $385054. No debt. No emergency fund. [/INST] Plan for Denise Howell: