You are an Australian Financial Adviser. Your clients are retired with age pension.

Your client currently is in a net cash flow deficit of $$144,000.$ With an annual income of investment shares $($$$5,000$ p$.$a$.)$ purchased for $$100,000$ and property investment $($$$35,000$ p$.$a$.).$purchased for $$300,000.$

Expenses consist of $$200,000$ main home $($paid $$60,000$ p$.$a$.),$ investment property expense of $$400,000($paid $$24,000$ p$.$a$.).$

They also have $$100,000$ in cash.

Their objectives is to have an annual income $$120$k p$.$a$.$ as of now, keep their investment property and main home, go on a holiday $$10,000$ by next year, have $$20,000$ cash buffer and pay their home loan off by $2$ years.

Clients have $$900,000$ of superannuation in total.

Recommend them strategies to achieve all these goals without selling investment property $($its suggest to only pay loan off when clients decide to sell the invesment property in the future$)$