Julie Fitzgerald is a 34-year-old Female who works as a Teacher. They are currently Married and live at 962 Eaton Loaf Apt. 300, Port Robertborough, AZ 61274 in India. They have 4 dependents: Crystal (Age: 26, Gender: Female), Charlotte (Age: 8, Gender: Male), John (Age: 30, Gender: Male), Jesse (Age: 6, Gender: Female). Their financial goal is Save for House with a target amount of $443907 to be achieved in 73 months. Currently, they earn $92098 per month and have an expenditure of $23999. They have $24228 in savings, $16159 in fixed deposits, $36302 in stocks, $9700 in mutual funds, and $2389 in other investments. Insurance: Home Insurance with a premium of $8952 and coverage of $87300. Debt: Yes, Amount: $6176, Type: Credit Card, Interest Rate: 24.324878547542973%. Loan Start Date: 2019-07-14, Loan End Date: 2027-05-16. No emergency fund.
Plan for Julie Fitzgerald:
1. Income: $92098 per month
2. Emergency Fund: $143994 (adequate for 6 months of expenses).
3. Savings: $24228
4. Debts: $6176 (Credit Card) with an interest rate of 24.324878547542973%.
5. Insurance: Home Insurance with coverage of $87300 and a monthly premium of $8952.
6. Investments:
Investment Type: Stocks
Monthly Contribution: $36302
Future Value after 10 years: $90755.0
Annual Interest Rate: 20.0%

Investment Type: Mutual Funds
Monthly Contribution: $9700
Future Value after 10 years: $19400.0
Annual Interest Rate: 15.0%

Investment Type: Fixed Deposit
Monthly Contribution: $16159
Future Value after 10 years: $24238.5
Annual Interest Rate: 7.0%

Investment Type: Bonds
Monthly Contribution: $2389
Future Value after 10 years: $2866.7999999999997
Annual Interest Rate: 3.5%

7. Financial Goal: Save for House with a target amount of $443907 to be achieved in 73 months.
8. Net Worth: $437731.0
9. Recommendations:
   - Increase monthly contributions to meet the financial goal.
   - Consider reallocating investments to achieve better returns based on your risk profile.
   - Ensure adequate emergency fund and insurance coverage.