<s>[INST] Justin Pena is a 42-year-old Male who works as a Engineer. They are currently Married and live at 6761 Jose Rapids Apt. 978, North Michael, AL 85497 in India. They have 3 dependents: Jennifer (Age: 18, Gender: Male), John (Age: 7, Gender: Female), Patrick (Age: 16, Gender: Male). Their financial goal is Retirement with a target amount of $195325 to be achieved in 27 months. Currently, they earn $116565 per month and have an expenditure of $19537. They have $45807 in savings, $27678 in fixed deposits, $27740 in stocks, $25934 in mutual funds, and $20000 in other investments. No insurance. Debt: Yes, Amount: $9884, Type: Personal Loan, Interest Rate: 10.187543092173009%. Loan Start Date: 2023-05-08, Loan End Date: 2033-10-07. Emergency Fund: Yes, Amount: $2084. [/INST] Plan for Justin Pena: