935b wwgd: Ellie is stuck in analysis paralysis, but why?

**Glen James** (0:06)
Today on the show, we have got another What Would Glen Do, and if you are new to these parts, my name is Glen James, and we have people just like you, listeners of the show, jump on. You want to know what I would do in your situation. We go through, spend some time doing some clinical data gathering. I'll answer some questions, I'll poke, prod, try and get some drama out of you because that blows up the internet and just makes my life hell in the following weeks after an episode. But ultimately, don't get outraged if I say something that you wouldn't do because it's my cover, because it's my face on the cover. This is what would Glen do. It's not what you should do. It's what I would do. And I want to encourage any good discussion in the YouTube comments. I want to encourage any good discussion in the Spotify comments. I can't leave them on Apple at an episode level at the moment, but let's have a chat about this. This episode is brought to you by Sphere Home Loans. If you are after a mortgage, why don't you reach out to the team at Sphere Home Loans? They've got a team of mortgage brokers that help people all over Australia, and you'll be just in the right hands. Whether you're looking to upsize, maybe review your current rate, maybe buy an investment property, any mortgage needs anywhere in Australia.
We're going to get into it right now, but you can go to spherehomeloans.com.au or just Google Sphere Home Loans for everything mortgage related. Thank you, Sphere Home Loans. My name is Glen James. We're going to get into what would Glen do right now.
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.
Okay, batter up, we've got Ellie today, not her real name. She's blurry because I think part of their family have got to do with the government and super secret stuff. Ellie, welcome to What Would Glen Do?

**Ellie** (2:31)
Hi, how's it going?

**Glen James** (2:33)
It's so good and I'm so pumped for this chat today.

**Ellie** (2:37)
Excited to be here.

**Glen James** (2:39)
Yeah. How long have you been listening to the show for?

**Ellie** (2:42)
A couple of years now.

**Glen James** (2:43)
Awesome. About time you're done, isn't it? Yeah.

**Ellie** (2:47)
See if we pass or not.

**Glen James** (2:49)
Yeah. So what would you like to ask me?

**Ellie** (2:53)
So I'm currently on maternity leave and I am looking at my options returning to work. So I'm looking at how many days to return to work with my options being three, four or five days a week. And I get some interest in the impact of my super and our options for paying off our mortgage.

**Glen James** (3:10)
Yeah. Awesome. Well, we're going to get into that. Right now. Let's just get some data on the table.
Ellie, how old are you?

**Ellie** (3:18)
34

**Glen James** (3:19)
How and what do you do for work?

**Ellie** (3:21)
I'm a social worker.

**Glen James** (3:23)
Awesome. Public, private?

**Ellie** (3:26)
Public. Sorry. Public.

**Glen James** (3:30)
How long have you been on mat leave?

**Ellie** (3:32)
10 months.

**Glen James** (3:33)
10 months. Okay. So I'll go out on a limb to say you've got a 10 month old.

**Ellie** (3:38)
Yes. Yep.

**Glen James** (3:39)
Do you have any other kids?

**Ellie** (3:42)
I do. I've got a three and a half year old.

**Glen James** (3:45)
Awesome. If you're working full time, what's your salary?

**Ellie** (3:50)
148

**Glen James** (3:51)
Cool. Is that including super?

**Ellie** (3:53)
No, super's on top of that. Cool.

**Glen James** (3:55)
Cool. Cool. Do you have any pets?

**Ellie** (3:59)
Yep. Two Labradoodles.

**Glen James** (4:00)
Two Labradoodles?

**Ellie** (4:02)
Yeah. They're insane.

**Glen James** (4:03)
Yeah. How old are they?

**Ellie** (4:06)
Six and four and a half.

**Glen James** (4:09)
Yeah. Okay. So maybe getting out of the boisterous stage or?

**Ellie** (4:14)
Slowly.

**Glen James** (4:14)
Yeah.

**SPEAKER_3** (4:15)
Slowly getting there.

**Glen James** (4:18)
What are the kids' genders?

**Ellie** (4:19)
Both boys.

**Glen James** (4:20)
Oh, fun. Boy, mom.