Author: Jess Fickett ("Piggy")

S02E02: "I'm not ready to buy a house---but how do I *get ready* to get ready?"

Season 2, Episode 2: “I’m Not Ready to Buy a House—But How Do I *Get Ready* to Get Ready?”

Jess Fickett ("Piggy") Leave a comment

Previously on season two of the Bitches Get Riches podcast…

We dealt with the existential guilt of crushing your personal finances while your friends struggle to get by. This time, though, we’re taking a question from the other end of the spectrum. What do you do, practically and mentally, when your very modest life goal feels like a financial impossibility?

Naturally, we had opinions. And not just because we are two loudmouthed internet white ladies who have never learned when to shut up!

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I Lost My Job and It Might Be the Best Worst Thing That’s Ever Happened to Me

Jess Fickett ("Piggy") 55 Comments

Two years ago I was celebrating leaving my job of nearly nine years at a nonprofit publishing house and finally going corporate. I was riding high and making more money at a large, for-profit publishing house, working remotely full-time and generally kicking ass. It was the shit. Aaaaand then I lost my job.

Sad trombone.

Kitty dropped the news during our coronavirus article blitz. And I’m honestly glad she did, because it saved me the struggle of deciding to pull the trigger on telling you all. For some reason I’ve been too… ashamed? Embarrassed? Afraid? Feeling hypocritical? Emotionally stunted???

There’s a reason it’s taken me a few months to write this article, even if I don’t yet understand what that reason is. Clearly I have a lot of thoughts and feelings to process about how I lost my job. So let’s get with the processing.

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10 Rad Black Money Experts To Follow Right the Hell Now

Jess Fickett ("Piggy") 6 Comments

Have you ever gotten the impression that the world of finance, economics, and money media is dominated by, shall we say, “one particular kind of voice, speaking to one particular kind of experience?”

Ope, pardon me, just gonna go ahead and slide this in…

Yeah. That.

If you’re longing for other perspectives, we got you, baby! This week we want to share our little pink space with just a few of the rad black money experts of the personal finance mediasphere.

Here are ten of our favorite—and soon to be your favorite—black money experts. GO READ THEIR STUFF. We’ll call out a few of our favorite articles and episodes to get you started!

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{ MASTERPOST } Everything You Need To Know About Living Independently for the First Time

{ MASTERPOST } Everything You Need To Know About Living Independently for the First Time

Jess Fickett ("Piggy") 2 Comments

It comes to you in a dream: ethereal voices, echoing through the fog of your resting mind. You toss and turn as you try to decipher their meaning. The voices are unspeakably beautiful, inspiring, gregarious… and it is then you know they are the voices of… the Bitches. And they speak… of living independently for the first time.

For it is they who bless the minds of young wanderers in the Land of Dreams! They who deliver divine inspiration directly to the soul so that upon waking, the listener is fortified with the knowledge to go forth, living independently, and conquer the world.

You strain to hear. You yearn for their wisdom and sage advice. And at last you make out what they’re telling you:

“This is how you adult like a fucking champ…”

Readers, enjoy this masterpost of all our articles on living independently for the first time, so that you may learn to become your very own adult. For it’s the last you’ll hear from us for a while! That’s right: we’re taking our annual two-week summer vacation starting… now!

Don’t worry: we promise to come back better and bitchier than ever!

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Kill Your Debt Faster With the Death by a Thousand Cuts Technique

Kill Your Debt Faster With the Death by a Thousand Cuts Technique

Jess Fickett ("Piggy") 11 Comments

Sometimes I take for granted that everyone knows basic tenets of finance. Like how the IRS will never ever call you, or how money depreciates due to inflation. Or even how Harriet Tubman should absolutely replace Andrew Jackson on the twenty dollar bill.

But every once in a while one of our darling readers (who are the salt of the Earth, but like, fancy Himalayan pink sea salt with grains of dried truffles mixed in) will remind me why we need to focus on basic financial literacy. It is, after all, our sacred mission, bestowed upon us by the goddess of internet memes!

Thanks to a conversation I recently had with some of our Gen Z readers on the sosh’ meeds’, today I’m going to focus on a frighteningly simple tactic for paying off debt. For once it’s understood, it could save you metric buttloads of money on interest, help you pay off your debt faster, and bring about world peace.

You’re heckin’ welcome, world.

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Dafuq Is Unemployment Insurance and How Do I Apply for It?

Jess Fickett ("Piggy") 14 Comments

As we’re living through The Plague Times, a number of topics have really jumped the writing queue for your humble Bitches. And thanks to the massive wave of job losses, one of the more urgent subjects is, by necessity, unemployment insurance.

As it happens, I’m currently a bit of an expert on unemployment insurance. I’m not just a spokesperson… I’m a member! After losing my job this spring, I applied for and received unemployment insurance from my state.

The process was tedious, long, stressful, counterintuitive, repetitive, and obnoxious. But it worked. And now I’m here to walk you through it too. Because misery fucking loves company.

But before we begin, a note: The UI I’m receiving isn’t completely replacing my lost income. Like everyone on UI, I’m applying for jobs like it’s literally my job. Yet available jobs are pretty thin on the ground until the country opens up for business again.

My bills are still getting paid, due mostly to the generosity of BGR readers. Consider donating to our Patreon if you’re so inclined. It comes with spiffy rewards and our eternal gratitude, which by itself is worth at least $2.65!

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I Just Applied for a Job. How (And When) Should I Follow Up?

Jess Fickett ("Piggy") 5 Comments

In all our copious posts about getting a job and advancing your career, we’ve left out one crucial part of the job application process.

What the hell happens after you’ve submitted your application?

Ideally, you’ll receive a prompt response confirming the receipt of your application. Following that, you’ll be cordially invited to an interview in a timely fashion. And after the interview, within very little time, you’ll receive a job offer. Just a really prompt, dignified process that respects and values everyone’s time and effort!

GET YOUR HEAD OUT OF THE CLOUDS, YOU NAIF. LIFE IS PAIN, MOTHERFUCKERS.

Of course that adorable fantasy scenario only happens on Wish Fulfillment Island, where the hiring process is swift and painless and dogs never die!

In reality, job applicants are plagued with long, drawn-out hiring processes, unclear communication, repetitive applications, and flaming hoops of bullshit in front of an obstacle course of crocodiles who only scanned your resume for keywords.

In other words, it blows! But you still need to get through it if you have any hope of employment. So here’s what happens after you submit a job application.

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Ask the Bitches Pandemic Lightning Round: “Will the Government Really Give Me a $1,200 Stimulus?”

Jess Fickett ("Piggy") 20 Comments

Welcome to the Ask the Bitches Pandemic Lightning Round! We’re working around the clock to answer your questions about coronavirus, the impact of quarantine, and the recession of 2020.

Pardon our idealism, but we Bitches tend to think that one of the things a government should be responsible for is the economic welfare of its citizens in times of financial crisis.

You know: like right now.

Because make no mistake, along with being a public health crisis, the global outbreak of coronavirus is also an economic crisis. Many Americans have already lost their jobs due to the pandemic, resulting in a record 3.3 million unemployment claims; others are seeing their hours or pay severely cut; and the stock market is free-falling like Tom Petty at the Super Bowl, dropping the most in a single day since 2008.

But there are little glimmering lights of hope in this, our hour of darkness. The Federal Reserve just made $1.5 trillion available to keep banks solvent and steady. And now Congress has followed suit by passing a stimulus passage that will put money directly into the hands of people financially affected by the pandemic. Which happens to be all of us!

Unsurprisingly, you’ve got questions about this stimulus. We read all about it and distilled it down into easily digested morsels so that you don’t have to.

We’ll be coming at you fast this week, answering as many urgent questions as we can. If you appreciate the extra effort, we would love a small donation on our Patreon. Thank you!

Join the Bitches on Patreon
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Ask the Bitches Pandemic Lightning Round: “Is This the Right Time To Start Investing?”

Jess Fickett ("Piggy") 7 Comments

Welcome to the Ask the Bitches Pandemic Lightning Round! We’re working around the clock to answer your questions about coronavirus, the impact of quarantine, and the recession of 2020.

Today, we’re considering if now is a good time to start investing. Because your dad probably told you it’s a great time to invest. But is your dad right?!

Dad says START INVESTING!

We’ll be coming at you fast this week, answering as many urgent questions as we can. If you appreciate the extra effort, we would love a small donation to our Patreon. Thank you!

Join the Bitches on Patreon

The question

“Dearest bitches, I finally paid off my student loans in January and the money that had been going to them has just been hanging tight in a savings account until I move it to my Roth IRA (right now it’s up to about $2k). The question, then: with the market, to quote a friend, ‘going down worse than your eighth jagerbomb,’ when is the best time to make that shift? It’s going into a robo-managed fund, so it’s not like I’m actively playing the market, but I’m still nervous. Help!”

Ah. Lovely. A slightly more optimistic question than our last few!

We’re going to answer this question straight, with the assumption that you’ve already taken the stability of your job, healthcare insurance, and emergency fund into ample consideration.

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