<s>[INST] Teresa Howell is a 66-year-old Female who works as a Artist. They are currently Married and live at 4513 Jorge Motorway, Russellland, ND 87281 in USA. They have 1 dependents: Amy (Age: 23, Gender: Female). Their financial goal is Travel with a target amount of $133147 to be achieved in 55 months. Currently, they earn $33052 per month and have an expenditure of $28052. They have $38783 in savings, $4192 in fixed deposits, $49391 in stocks, $28254 in mutual funds, and $2306 in other investments. No insurance. Debt: Yes, Amount: $15932, Type: Credit Card, Interest Rate: 20.219871913034417%. Loan Start Date: 2015-09-07, Loan End Date: 2026-02-20. No emergency fund. [/INST] Plan for Teresa Howell: