<s>[INST] John Estrada is a 28-year-old Male who works as a Teacher. They are currently Divorced and live at 3292 Russell Village, South Charles, KS 53188 in India. They have 1 dependents: Jacob (Age: 19, Gender: Female). Their financial goal is Retirement with a target amount of $59303 to be achieved in 45 months. Currently, they earn $77365 per month and have an expenditure of $36318. They have $8055 in savings, $19494 in fixed deposits, $39963 in stocks, $17868 in mutual funds, and $6862 in other investments. No insurance. Debt: Yes, Amount: $9725, Type: Personal Loan, Interest Rate: 13.07975336781519%. Loan Start Date: 2021-10-13, Loan End Date: 2033-01-30. No emergency fund. [/INST] Plan for John Estrada: