<s>[INST] Jeffrey Gardner is a 20-year-old Female who works as a Teacher. They are currently Married and live at 17869 Stewart Manors Suite 982, Davistown, MD 13941 in UK. They have 3 dependents: Jill (Age: 10, Gender: Male), Heather (Age: 16, Gender: Female), Scott (Age: 25, Gender: Male). Their financial goal is Save for Education with a target amount of $66376 to be achieved in 40 months. Currently, they earn $34928 per month and have an expenditure of $29928. They have $44874 in savings, $6233 in fixed deposits, $47687 in stocks, $29321 in mutual funds, and $6013 in other investments. No insurance. No debt. Emergency Fund: Yes, Amount: $7234. [/INST] Plan for Jeffrey Gardner: