<s>[INST] Jacob Espinoza is a 57-year-old Male who works as a Engineer. They are currently Divorced and live at 55407 Phelps Turnpike Suite 764, East Kaylafurt, VA 94243 in USA. They have 2 dependents: Joseph (Age: 15, Gender: Male), Kenneth (Age: 28, Gender: Female). Their financial goal is Save for Education with a target amount of $124656 to be achieved in 54 months. Currently, they earn $75384 per month and have an expenditure of $27871. They have $8460 in savings, $6372 in fixed deposits, $12055 in stocks, $29241 in mutual funds, and $10570 in other investments. Insurance: Health Insurance with a premium of $6308 and coverage of $291774. No debt. Emergency Fund: Yes, Amount: $10941. [/INST] Plan for Jacob Espinoza: