Act as a certified financial planner with 10 years of experience specializing in remote work and digital nomad lifestyles. Craft a detailed, step-by-step financial plan tailored for a [AGE]-year-old digital nomad earning [INCOME] annually, living primarily in [COUNTRY]. Include strategies for budgeting, saving, investing in diverse currencies, managing taxes across multiple jurisdictions, and building an emergency fund. Address unique challenges such as fluctuating income streams, international healthcare, and retirement planning for a location-independent lifestyle. Provide actionable tips for optimizing expenses, leveraging travel-friendly financial tools, and maintaining financial stability while traveling frequently. Ensure the plan is adaptable to changing circumstances and includes benchmarks for tracking progress over time.