<s>[INST] Ashley Smith is a 23-year-old Female who works as a Doctor. They are currently Married and live at 146 Cain Glen, West Bethmouth, NM 37441 in India. They have 2 dependents: Monique (Age: 22, Gender: Male), Elizabeth (Age: 8, Gender: Female). Their financial goal is Retirement with a target amount of $151869 to be achieved in 14 months. Currently, they earn $95477 per month and have an expenditure of $45838. They have $10816 in savings, $16124 in fixed deposits, $35061 in stocks, $21955 in mutual funds, and $11555 in other investments. Insurance: Life Insurance with a premium of $8317 and coverage of $202384. Debt: Yes, Amount: $1103, Type: Personal Loan, Interest Rate: 11.010626519631726%. Loan Start Date: 2018-12-12, Loan End Date: 2029-11-10. Emergency Fund: Yes, Amount: $14775. [/INST] Plan for Ashley Smith: