<s>[INST] Joseph Ramirez is a 53-year-old Female who works as a Teacher. They are currently Married and live at 369 Burke Dale, Robertview, UT 88117 in UK. They have 0 dependents: . Their financial goal is Retirement with a target amount of $64567 to be achieved in 19 months. Currently, they earn $94654 per month and have an expenditure of $10954. They have $28086 in savings, $26919 in fixed deposits, $33856 in stocks, $5531 in mutual funds, and $9944 in other investments. Insurance: Auto Insurance with a premium of $9188 and coverage of $442618. Debt: Yes, Amount: $6921, Type: Personal Loan, Interest Rate: 11.523603650362675%. Loan Start Date: 2024-03-06, Loan End Date: 2031-06-04. No emergency fund. [/INST] Plan for Joseph Ramirez: