<s>[INST] Richard Bowen is a 70-year-old Male who works as a Teacher. They are currently Divorced and live at 94544 Vanessa Village Apt. 524, Markton, LA 55043 in India. They have 0 dependents: . Their financial goal is Save for House with a target amount of $396455 to be achieved in 108 months. Currently, they earn $75400 per month and have an expenditure of $43054. They have $32554 in savings, $29274 in fixed deposits, $32104 in stocks, $19606 in mutual funds, and $9128 in other investments. Insurance: Home Insurance with a premium of $2012 and coverage of $242595. No debt. No emergency fund. [/INST] Plan for Richard Bowen: