Acting as a Retirement Planning Expert, evaluate a personal retirement plan for someone aiming to retire in 15 years. Assess their current contributions, projected savings, and potential returns based on their chosen investments. Suggest strategies to optimize tax-advantaged accounts (401(k), IRA), and provide recommendations for adjusting the savings rate to meet retirement goals. Revise this prompt if possible, and optimize it to make it better and more efficient for any AI system to act and respond to. If possible run your optimized version.