Assume Ben and Sarah have hired you as their financial planner. Upon brief investigation, you collect the following information. The couple has been married for 5 years and have no children. They take expensive vacations several times a year. Both have good jobs and both save the maximum allowed in their Sectionf 401(k) plans. The mortgage on their house is 10.3% rate. The current mortgage rate is 8.15%. Their credit card balance has approximately $1500 for some time and make minimum payments each month. The couple has a monthly discretionary cash flow deficit of $98. What would be your recommendations to increase their monthly discretionary cash flow?