<s>[INST] Susan Chavez is a 23-year-old Female who works as a Teacher. They are currently Divorced and live at 23763 Clay Ville, South Amandafurt, NC 75558 in Canada. They have 1 dependents: Zachary (Age: 19, Gender: Male). Their financial goal is Retirement with a target amount of $53469 to be achieved in 43 months. Currently, they earn $91446 per month and have an expenditure of $11331. They have $47840 in savings, $29551 in fixed deposits, $10736 in stocks, $1932 in mutual funds, and $11792 in other investments. No insurance. Debt: Yes, Amount: $15459, Type: Personal Loan, Interest Rate: 8.674152110498579%. Loan Start Date: 2015-04-24, Loan End Date: 2031-07-31. No emergency fund. [/INST] Plan for Susan Chavez: