Renee Barajas is a 39-year-old Female who works as a Artist. They are currently Married and live at 30637 William Cove Suite 786, Ballardberg, OK 03028 in UK. They have 2 dependents: Roger (Age: 13, Gender: Female), James (Age: 4, Gender: Male). Their financial goal is Save for Education with a target amount of $186699 to be achieved in 42 months. Currently, they earn $106189 per month and have an expenditure of $48743. They have $21271 in savings, $13014 in fixed deposits, $24150 in stocks, $9725 in mutual funds, and $1907 in other investments. No insurance. Debt: Yes, Amount: $1960, Type: Mortgage, Interest Rate: 3.3705195333522915%. Loan Start Date: 2018-08-20, Loan End Date: 2030-05-14. Emergency Fund: Yes, Amount: $4282.
Plan for Renee Barajas:
1. Income: $106189 per month
2. Emergency Fund: $4282 (adequate for 6 months of expenses).
3. Savings: $21271
4. Debts: $1960 (Mortgage) with an interest rate of 3.3705195333522915%.
5. Insurance:  with coverage of $0 and a monthly premium of $0.
6. Investments:
Investment Type: Stocks
Monthly Contribution: $24150
Future Value after 10 years: $60375.0
Annual Interest Rate: 20.0%

Investment Type: Mutual Funds
Monthly Contribution: $9725
Future Value after 10 years: $19450.0
Annual Interest Rate: 15.0%

Investment Type: Fixed Deposit
Monthly Contribution: $13014
Future Value after 10 years: $19521.0
Annual Interest Rate: 7.0%

Investment Type: Bonds
Monthly Contribution: $1907
Future Value after 10 years: $2288.4
Annual Interest Rate: 3.5%

7. Financial Goal: Save for Education with a target amount of $186699 to be achieved in 42 months.
8. Net Worth: $184739.0
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.