Lori Arroyo is a 19-year-old Female who works as a Engineer. They are currently Divorced and live at 2980 Christopher Junctions Apt. 025, Bondfurt, SC 70524 in UK. They have 1 dependents: Matthew (Age: 1, Gender: Female). Their financial goal is Retirement with a target amount of $97545 to be achieved in 58 months. Currently, they earn $113917 per month and have an expenditure of $16254. They have $5676 in savings, $871 in fixed deposits, $25844 in stocks, $21276 in mutual funds, and $9639 in other investments. Insurance: Home Insurance with a premium of $8492 and coverage of $294476. Debt: Yes, Amount: $6488, Type: Credit Card, Interest Rate: 22.724822130900378%. Loan Start Date: 2022-05-12, Loan End Date: 2031-12-07. No emergency fund.
Plan for Lori Arroyo:
1. Income: $113917 per month
2. Emergency Fund: $97524 (adequate for 6 months of expenses).
3. Savings: $5676
4. Debts: $6488 (Credit Card) with an interest rate of 22.724822130900378%.
5. Insurance: Home Insurance with coverage of $294476 and a monthly premium of $8492.
6. Investments:
Investment Type: Stocks
Monthly Contribution: $25844
Future Value after 10 years: $64610.0
Annual Interest Rate: 20.0%

Investment Type: Mutual Funds
Monthly Contribution: $21276
Future Value after 10 years: $42552.0
Annual Interest Rate: 15.0%

Investment Type: Fixed Deposit
Monthly Contribution: $871
Future Value after 10 years: $1306.5
Annual Interest Rate: 7.0%

Investment Type: Bonds
Monthly Contribution: $9639
Future Value after 10 years: $11566.8
Annual Interest Rate: 3.5%

7. Financial Goal: Retirement with a target amount of $97545 to be achieved in 58 months.
8. Net Worth: $91057.0
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.