<s>[INST] Kerri Cruz MD is a 32-year-old Male who works as a Doctor. They are currently Divorced and live at 27171 Brendan Ranch, Erinchester, KS 78253 in UK. They have 2 dependents: Dana (Age: 30, Gender: Male), Robert (Age: 25, Gender: Female). Their financial goal is Save for Education with a target amount of $181694 to be achieved in 38 months. Currently, they earn $98630 per month and have an expenditure of $37950. They have $40242 in savings, $8691 in fixed deposits, $18086 in stocks, $29777 in mutual funds, and $11936 in other investments. Insurance: Health Insurance with a premium of $5681 and coverage of $472525. No debt. No emergency fund. [/INST] Plan for Kerri Cruz MD: