<s>[INST] Glen Espinoza is a 18-year-old Male who works as a Teacher. They are currently Married and live at PSC 6306, Box 2364, APO AE 86130 in India. They have 4 dependents: David (Age: 13, Gender: Female), Diana (Age: 16, Gender: Female), Christian (Age: 6, Gender: Female), Ronald (Age: 28, Gender: Male). Their financial goal is Save for Education with a target amount of $65639 to be achieved in 38 months. Currently, they earn $33288 per month and have an expenditure of $12570. They have $38168 in savings, $16498 in fixed deposits, $25140 in stocks, $21685 in mutual funds, and $5813 in other investments. No insurance. Debt: Yes, Amount: $18108, Type: Credit Card, Interest Rate: 21.24539216346622%. Loan Start Date: 2014-10-04, Loan End Date: 2027-09-10. No emergency fund. [/INST] Plan for Glen Espinoza: