<s>[INST] Michael Buchanan is a 21-year-old Male who works as a Doctor. They are currently Single and live at Unit 6822 Box 9554, DPO AA 00942 in Canada. They have 1 dependents: Kyle (Age: 13, Gender: Female). Their financial goal is Retirement with a target amount of $143029 to be achieved in 48 months. Currently, they earn $78120 per month and have an expenditure of $21856. They have $33882 in savings, $21297 in fixed deposits, $25211 in stocks, $15102 in mutual funds, and $19069 in other investments. Insurance: Auto Insurance with a premium of $6748 and coverage of $97340. No debt. Emergency Fund: Yes, Amount: $15204. [/INST] Plan for Michael Buchanan: