<s>[INST] Michael Todd is a 49-year-old Female who works as a Teacher. They are currently Single and live at 498 Miller Parkway Apt. 012, Schroederborough, IN 40302 in India. They have 2 dependents: Tom (Age: 14, Gender: Male), Joshua (Age: 5, Gender: Male). Their financial goal is Retirement with a target amount of $196556 to be achieved in 19 months. Currently, they earn $68998 per month and have an expenditure of $26946. They have $30324 in savings, $16288 in fixed deposits, $36745 in stocks, $9540 in mutual funds, and $16572 in other investments. No insurance. Debt: Yes, Amount: $2772, Type: Mortgage, Interest Rate: 6.767710923732953%. Loan Start Date: 2020-12-02, Loan End Date: 2027-03-28. No emergency fund. [/INST] Plan for Michael Todd: