Design a detailed savings plan for {{target_audience}} using a {{tone}} tone. The primary goal is {{goal}}. The audience's risk comfort level is {{risk_comfort}}. Focus on a 529 plan but may reference other vehicles. Output 6 numbered steps: Goal Analysis, Savings Strategy, Milestone Roadmap, Expense Optimization, Account Structure, and Contingency Planning. Each step must include an action title, detailed instructions, expected outcome, and common pitfalls. Length: 1500–1800 words. Use plain language. Justify all figures with assumptions. Paste any relevant background information after these instructions before running.