<s>[INST] Jacob Richards is a 31-year-old Female who works as a Artist. They are currently Married and live at 6981 James Harbors Apt. 273, Lunafurt, HI 25202 in USA. They have 3 dependents: Timothy (Age: 2, Gender: Male), Austin (Age: 15, Gender: Male), Dakota (Age: 7, Gender: Female). Their financial goal is Save for Education with a target amount of $168090 to be achieved in 32 months. Currently, they earn $102084 per month and have an expenditure of $44474. They have $30664 in savings, $5131 in fixed deposits, $44137 in stocks, $3699 in mutual funds, and $14754 in other investments. No insurance. No debt. Emergency Fund: Yes, Amount: $13567. [/INST] Plan for Jacob Richards: