Cody Johnson is a 65-year-old Male who works as a Teacher. They are currently Divorced and live at USNS Neal, FPO AP 94438 in India. They have 2 dependents: Susan (Age: 18, Gender: Male), Lisa (Age: 21, Gender: Female). Their financial goal is Save for Education with a target amount of $124889 to be achieved in 45 months. Currently, they earn $71223 per month and have an expenditure of $27726. They have $38217 in savings, $10781 in fixed deposits, $24721 in stocks, $5244 in mutual funds, and $2551 in other investments. Insurance: Auto Insurance with a premium of $8962 and coverage of $444612. Debt: Yes, Amount: $15952, Type: Personal Loan, Interest Rate: 9.491062546573232%. Loan Start Date: 2015-01-22, Loan End Date: 2034-02-08. Emergency Fund: Yes, Amount: $12499.
Plan for Cody Johnson:
1. Income: $71223 per month
2. Emergency Fund: $12499 (adequate for 6 months of expenses).
3. Savings: $38217
4. Debts: $15952 (Personal Loan) with an interest rate of 9.491062546573232%.
5. Insurance: Auto Insurance with coverage of $444612 and a monthly premium of $8962.
6. Investments:
Investment Type: Stocks
Monthly Contribution: $24721
Future Value after 10 years: $61802.5
Annual Interest Rate: 20.0%

Investment Type: Mutual Funds
Monthly Contribution: $5244
Future Value after 10 years: $10488.0
Annual Interest Rate: 15.0%

Investment Type: Fixed Deposit
Monthly Contribution: $10781
Future Value after 10 years: $16171.5
Annual Interest Rate: 7.0%

Investment Type: Bonds
Monthly Contribution: $2551
Future Value after 10 years: $3061.2
Annual Interest Rate: 3.5%

7. Financial Goal: Save for Education with a target amount of $124889 to be achieved in 45 months.
8. Net Worth: $108937.0
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.