Hogan talks on the phone with VIP Josie.  She wants to know if it is wise to save cash to purchase an investment property and use income to maximize retirement.  Hogan talks on the phone with VIP Dixie. She's married and wondering if something is wrong with their financial plan. She feels like they have less money now than when they were in debt.  Hogan discusses the importance of financial courage over fear with new action points. Hogan talks on the phone with VIP Thomas. He's a firefighter and it is mandatory for him to put a certain amount into a pension at work. He then adds to his own match for a 16.6% amount. He wants to know if this is enough to save to retire.