<s>[INST] Tracy Gilbert is a 49-year-old Female who works as a Doctor. They are currently Divorced and live at 4785 Hernandez Place Apt. 328, West Meganport, CA 23625 in USA. They have 1 dependents: Carlos (Age: 22, Gender: Male). Their financial goal is Save for Education with a target amount of $65070 to be achieved in 18 months. Currently, they earn $111110 per month and have an expenditure of $12509. They have $18720 in savings, $5499 in fixed deposits, $9530 in stocks, $3543 in mutual funds, and $14156 in other investments. No insurance. No debt. Emergency Fund: Yes, Amount: $18101. [/INST] Plan for Tracy Gilbert: