<s>[INST] Marissa Spencer is a 28-year-old Female who works as a Doctor. They are currently Divorced and live at 14709 Megan Squares, Lake Justinview, KS 20104 in USA. They have 2 dependents: Stephanie (Age: 23, Gender: Female), Gabriel (Age: 28, Gender: Female). Their financial goal is Retirement with a target amount of $163474 to be achieved in 51 months. Currently, they earn $53753 per month and have an expenditure of $15145. They have $46605 in savings, $2295 in fixed deposits, $25291 in stocks, $27090 in mutual funds, and $12069 in other investments. Insurance: Life Insurance with a premium of $7723 and coverage of $253350. Debt: Yes, Amount: $8037, Type: Credit Card, Interest Rate: 23.172671530955636%. Loan Start Date: 2017-11-20, Loan End Date: 2024-11-01. No emergency fund. [/INST] Plan for Marissa Spencer: