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Tom posted this question recently on social media and received tons of answers in a short time!  He picked three of the responses to this question and addressed each of them one at a time on this particular episode, but the plan is to help you if you want to join in on the conversation!   Simply go to http://incontrolfinancial.com and click on the Contact Us button.  Send an e-mail, and note #1 CHALLENGE in the subject line.  Tom will either respond to you directly via e-mail, or he will batch answer many of the same responses to this question into a future podcast episode.   As always, we invite you to follow this quick process if you are listening to this podcast on iTunes: 1) subscribe, 2) rate the podcast, and 3) leave a review.  Thank you, and as always, God bless!