<s>[INST] Kimberly Ramos is a 43-year-old Female who works as a Teacher. They are currently Married and live at 379 Ian Throughway, Christopherport, MA 83998 in USA. They have 4 dependents: Michelle (Age: 19, Gender: Male), Wendy (Age: 29, Gender: Female), Jonathon (Age: 9, Gender: Male), Amber (Age: 9, Gender: Male). Their financial goal is Retirement with a target amount of $77671 to be achieved in 40 months. Currently, they earn $45270 per month and have an expenditure of $29917. They have $32386 in savings, $24474 in fixed deposits, $38198 in stocks, $17208 in mutual funds, and $6107 in other investments. No insurance. Debt: Yes, Amount: $18867, Type: Mortgage, Interest Rate: 3.7658718868032555%. Loan Start Date: 2016-07-31, Loan End Date: 2028-07-05. No emergency fund. [/INST] Plan for Kimberly Ramos: