<s>[INST] Richard Mcdonald is a 18-year-old Male who works as a Artist. They are currently Divorced and live at 9082 Jones Summit, Derekberg, PW 58010 in Canada. They have 0 dependents: . Their financial goal is Retirement with a target amount of $167801 to be achieved in 34 months. Currently, they earn $85604 per month and have an expenditure of $19711. They have $45635 in savings, $9487 in fixed deposits, $33424 in stocks, $16459 in mutual funds, and $10560 in other investments. Insurance: Life Insurance with a premium of $9624 and coverage of $476450. Debt: Yes, Amount: $11275, Type: Mortgage, Interest Rate: 6.309840419592994%. Loan Start Date: 2022-10-28, Loan End Date: 2031-12-20. Emergency Fund: Yes, Amount: $7465. [/INST] Plan for Richard Mcdonald: