932b wwgd: Jess feels financially stressed and like she can't get ahead

**Glen James** (0:06)
Today on What Would We Do, this is a, I think I was reading her response and I wanted to do it because it's a bit kind of like bread and buttery life and in the normal course of our life and our finances.
It's not always the one big event. It's not always the one big goal. It could be like, well, how are we going and just cruising along. So all that to say today on the What Would Glen Do, we're going to have a great chat and if you are new to the show, this is a subset of episodes that we do on the Money Money Money Show. It's basically you who listen, you're in the Facebook group, you might listen on podcast or YouTube, and you want to jump on and ask me what I would do. Now, I will tell you what I would do. That doesn't mean you would do that. It doesn't mean you should do that because it is what would Glen do. And that's totally fine because I'm Glen. A bit of housekeeping for all those who may froth on these types of episodes.
We actually have a dedicated feed now, and it's kind of been happening in the background. But I think from today, I'm going to start announcing it. So if you just love hearing the what will Glen do episodes, and potentially maybe even the My Money Story episodes only, and you want just a custom feed, you can search WWGD on Apple, on Spotify. I think there's even a playlist on YouTube. And that will just drop. It will just have the only the what will Glen do episodes. So that's free. They will put a link in the details in the show notes below. If you want to subscribe to that. And we're still going to put them up on Thursdays, most of the time on the main show. But that feed is just there. All right, we're going to get into it now. My name is Glen James and this is What Would Glen Do.
Before we get into it, this show is general advice only. I've got a license to provide that advice. Full details can be found in the show description. My name is Glen James, former Financial Advisor. I host this show and a show called Retire Right. I've got some books, the award-winning Quick-Start Guide to Investing and the Quick-Start Guide to Your First Property, available where good books are sold or in the description. If you're new here, welcome. If you're in old hand, welcome to M3. Let's get into it right now.
Jess, welcome to the show.

**Jess** (2:47)
Thanks, Glen. Very happy to be here.

**Glen James** (2:49)
Yeah. First time caller I trust.

**Jess** (2:51)
Got through an initial tech difficulty a couple of weeks ago, but happy to be back for take two.

**Glen James** (2:57)
You know you didn't hear from me for like six, seven weeks. In the back of my mind, I was like, we are still going to do that. We did get back to you because Lannister always pays their debts and all that stuff.
In your own words, what do you want to ask me?

**Jess** (3:14)
So today I am seeking basically a financial health check and just any recommendations that you can see of things that we might be able to do better.

**Glen James** (3:25)
And so just tell me, and this is why I wanted to do it because I think it's nice just to have a bit of a financial health check. Tell me a little bit about yourself. How old are you?

**Jess** (3:37)
I am 34

**Glen James** (3:39)
And what do you do for work and life?

**Jess** (3:42)
So I am about a year away from becoming a fully registered psychologist. So at the moment I am working as a psychologist, but under supervision and you know, a whole bunch of hoops to sort of jump through.
But that is me at the moment. And I'm working currently four, oops, four days a week trying to find something one day a week to make me full-time, but currently I'm 0.8.

**Glen James** (4:09)
Yeah. And what type of psychological field like is it?

**Jess** (4:17)
So at the moment I'm working with adults in the drug and alcohol space and trying to break into private practice one day a week, which would likely be sort of all different mental health presentations and including children as well.

**Glen James** (4:34)
Yeah, sweet. And what's your current earnings for the four days a week?

**Jess** (4:38)
Currently at 85k.

**Glen James** (4:40)
Is that plus super or package?