Kathy Thomas is a 23-year-old Male who works as a Artist. They are currently Married and live at 75716 Lee Squares, Lauraland, IL 06594 in UK. They have 2 dependents: Jordan (Age: 19, Gender: Male), Michael (Age: 5, Gender: Male). Their financial goal is Travel with a target amount of $164376 to be achieved in 49 months. Currently, they earn $62816 per month and have an expenditure of $14703. They have $26082 in savings, $16384 in fixed deposits, $33794 in stocks, $14404 in mutual funds, and $7506 in other investments. No insurance. Debt: Yes, Amount: $10258, Type: Mortgage, Interest Rate: 3.1516647106514406%. Loan Start Date: 2019-01-21, Loan End Date: 2031-02-25. No emergency fund.
Plan for Kathy Thomas:
1. Income: $62816 per month
2. Emergency Fund: $88218 (adequate for 6 months of expenses).
3. Savings: $26082
4. Debts: $10258 (Mortgage) with an interest rate of 3.1516647106514406%.
5. Insurance:  with coverage of $0 and a monthly premium of $0.
6. Investments:
Investment Type: Stocks
Monthly Contribution: $33794
Future Value after 10 years: $84485.0
Annual Interest Rate: 20.0%

Investment Type: Mutual Funds
Monthly Contribution: $14404
Future Value after 10 years: $28808.0
Annual Interest Rate: 15.0%

Investment Type: Fixed Deposit
Monthly Contribution: $16384
Future Value after 10 years: $24576.0
Annual Interest Rate: 7.0%

Investment Type: Bonds
Monthly Contribution: $7506
Future Value after 10 years: $9007.199999999999
Annual Interest Rate: 3.5%

7. Financial Goal: Travel with a target amount of $164376 to be achieved in 49 months.
8. Net Worth: $154118.0
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.