<s>[INST] Cindy Ramirez is a 38-year-old Male who works as a Doctor. They are currently Single and live at 5944 Jackson Keys Suite 833, South Jacob, WY 46565 in UK. They have 2 dependents: Mary (Age: 15, Gender: Female), Gregory (Age: 25, Gender: Female). Their financial goal is Save for Education with a target amount of $195930 to be achieved in 25 months. Currently, they earn $50866 per month and have an expenditure of $21780. They have $14326 in savings, $18532 in fixed deposits, $7997 in stocks, $15000 in mutual funds, and $8049 in other investments. Insurance: Home Insurance with a premium of $4747 and coverage of $234786. No debt. No emergency fund. [/INST] Plan for Cindy Ramirez: