Carla Hart is a 22-year-old Male who works as a Engineer. They are currently Married and live at 234 Mcpherson Keys, Sydneyhaven, OH 27513 in UK. They have 5 dependents: Christopher (Age: 3, Gender: Male), Johnny (Age: 27, Gender: Female), Sally (Age: 27, Gender: Female), Jeffrey (Age: 11, Gender: Female), Tammy (Age: 2, Gender: Female). Their financial goal is Save for Education with a target amount of $159948 to be achieved in 52 months. Currently, they earn $43575 per month and have an expenditure of $21594. They have $42284 in savings, $8585 in fixed deposits, $6950 in stocks, $22043 in mutual funds, and $1305 in other investments. No insurance. Debt: Yes, Amount: $13990, Type: Mortgage, Interest Rate: 3.1314784370350313%. Loan Start Date: 2019-02-17, Loan End Date: 2031-10-29. No emergency fund.
Plan for Carla Hart:
1. Income: $43575 per month
2. Emergency Fund: $129564 (adequate for 6 months of expenses).
3. Savings: $42284
4. Debts: $13990 (Mortgage) with an interest rate of 3.1314784370350313%.
5. Insurance:  with coverage of $0 and a monthly premium of $0.
6. Investments:
Investment Type: Stocks
Monthly Contribution: $6950
Future Value after 10 years: $17375.0
Annual Interest Rate: 20.0%

Investment Type: Mutual Funds
Monthly Contribution: $22043
Future Value after 10 years: $44086.0
Annual Interest Rate: 15.0%

Investment Type: Fixed Deposit
Monthly Contribution: $8585
Future Value after 10 years: $12877.5
Annual Interest Rate: 7.0%

Investment Type: Bonds
Monthly Contribution: $1305
Future Value after 10 years: $1566.0
Annual Interest Rate: 3.5%

7. Financial Goal: Save for Education with a target amount of $159948 to be achieved in 52 months.
8. Net Worth: $145958.0
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.