<s>[INST] Caroline Ayala is a 55-year-old Female who works as a Doctor. They are currently Divorced and live at 487 Nancy Underpass, New Tracy, UT 90036 in USA. They have 2 dependents: Melissa (Age: 18, Gender: Female), Holly (Age: 3, Gender: Female). Their financial goal is Save for Education with a target amount of $144409 to be achieved in 48 months. Currently, they earn $91016 per month and have an expenditure of $37372. They have $45923 in savings, $7551 in fixed deposits, $1758 in stocks, $8789 in mutual funds, and $15065 in other investments. Insurance: Life Insurance with a premium of $1161 and coverage of $304183. No debt. No emergency fund. [/INST] Plan for Caroline Ayala: