Write a savings plan in a {{tone}} tone for {{target_audience}} working toward {{goal}}, considering risk tolerance {{risk_tolerance}} and primary savings vehicle {{primary_savings_vehicle}} over 20+ years. Include these sections: Goal Analysis, Savings Strategy, Milestone Roadmap, Expense Optimization, Account Structure, Contingency Planning. Each step must have an action title, instructions, expected outcome, and common pitfalls. Use plain language. If a data point cannot be determined with high confidence, skip this section. Maximum 1300 words. Paste any relevant background information after these instructions before running.