<s>[INST] Johnny Richardson is a 24-year-old Male who works as a Artist. They are currently Single and live at 73501 Mitchell Roads, Lake Anashire, NJ 24394 in India. They have 1 dependents: Jeremy (Age: 21, Gender: Male). Their financial goal is Retirement with a target amount of $115556 to be achieved in 39 months. Currently, they earn $35621 per month and have an expenditure of $30621. They have $45595 in savings, $3792 in fixed deposits, $44942 in stocks, $10597 in mutual funds, and $4957 in other investments. Insurance: Auto Insurance with a premium of $1564 and coverage of $180737. No debt. No emergency fund. [/INST] Plan for Johnny Richardson: