<s>[INST] Felicia Pena is a 23-year-old Female who works as a Teacher. They are currently Divorced and live at 219 Brad Mountain, West Madison, VA 06023 in Canada. They have 2 dependents: Donald (Age: 22, Gender: Female), David (Age: 2, Gender: Female). Their financial goal is Retirement with a target amount of $147129 to be achieved in 20 months. Currently, they earn $79683 per month and have an expenditure of $16915. They have $12298 in savings, $13657 in fixed deposits, $49884 in stocks, $26016 in mutual funds, and $10031 in other investments. Insurance: Auto Insurance with a premium of $4433 and coverage of $242436. No debt. No emergency fund. [/INST] Plan for Felicia Pena: