<s>[INST] Taylor Cardenas is a 21-year-old Female who works as a Teacher. They are currently Married and live at 766 Spears Plaza, Port Mary, WA 95486 in UK. They have 5 dependents: Julie (Age: 4, Gender: Female), Joshua (Age: 22, Gender: Female), Cynthia (Age: 28, Gender: Male), Raymond (Age: 18, Gender: Male), Holly (Age: 14, Gender: Female). Their financial goal is Retirement with a target amount of $140129 to be achieved in 38 months. Currently, they earn $63049 per month and have an expenditure of $39732. They have $16762 in savings, $8033 in fixed deposits, $4545 in stocks, $8139 in mutual funds, and $6332 in other investments. Insurance: Home Insurance with a premium of $8220 and coverage of $212432. No debt. No emergency fund. [/INST] Plan for Taylor Cardenas: