<s>[INST] Kelly Ryan is a 20-year-old Female who works as a Engineer. They are currently Married and live at USNS Perez, FPO AE 28590 in India. They have 1 dependents: Katie (Age: 8, Gender: Female). Their financial goal is Save for Education with a target amount of $159459 to be achieved in 34 months. Currently, they earn $38698 per month and have an expenditure of $15148. They have $12759 in savings, $19758 in fixed deposits, $36786 in stocks, $25200 in mutual funds, and $17191 in other investments. No insurance. No debt. Emergency Fund: Yes, Amount: $10722. [/INST] Plan for Kelly Ryan: