Season 3, Episode 4: "The More Money I Save, the More I’m Scared To Lose It. Can I Break the Cycle of Financial Anxiety?"

Season 3, Episode 4: “The More Money I Save, the More I’m Scared To Lose It. Can I Break the Cycle of Financial Anxiety?”

Jess Fickett ("Piggy") 2 Comments

We here at Bitches Get Riches are no strangers to financial anxiety. After all, we were blasted out into the world, expensive undergrad degrees in hand, right in the midst of the Great Recession of 2008. And just as the Great Depression trained our grandparents to rinse and reuse tinfoil and never throw anything away that could be repurposed to save money… we’ve been habituated to a permanent scarcity mindset.

Hoarding retirement funds, emergency funds, and second income streams just comes naturally to us! And if when the country’s economy and unemployment levels tip us all into a chaos of financial uncertainty… we tend to take it in stride.

Which is why we felt like we simply had to address this week’s question on the podcast. If you’ve ever felt weighed down by financial anxiety and stressed by constantly shifting monetary goalposts… this one’s for you!

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Dafuq is Networking? And How Do I Do It Remotely?

Jess Fickett ("Piggy") 16 Comments

Last week I went to a charity fundraiser for a nonprofit. It was outside. Under an overpass. Because misinformation about vaccines and masking is rampant and it’s still not quite safe to gather in large groups indoors.

There I chatted with a young woman who was just like her country, young, scrappy, and hungry basically me roughly ten years ago: entrepreneurial, motivated, and trying to launch a career as a freelance editor. (She was also much taller and prettier than I was at 25, but I won’t hold that against her… the floozy.) Lily seemed cool and we had the same taste in charitable causes, so I gave her my card.

This week she sent me an email inviting me to lunch to talk about life and get some career advice. And to complete the time-honored ritual passed down by career strivers over generations… I accepted!

Dear readers… this is called networking. And it’s a critical skill to develop, especially for remote workers. When the stars align, you can form genuine social connections and have actual fun while doing it! But it can also feel fake, tiresome, and painfully awkward. In those cases, you need to bite the bullet, rip the bandage off, mix all the metaphors, and make the best lemonade you can out of these shit-ass lemons. Because if you have to cringe your way through alcohol-free industry mixers and ridiculous team icebreakers, you deserve to walk away with real career growth for your trouble!

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Season 3, Episode 3: "I Want To Hire a Financial Advisor. Can They Be Trusted, or Are They Full of Shit?"

Season 3, Episode 3: “I Want To Hire a Financial Advisor. Can They Be Trusted, or Are They Full of Shit?”

Jess Fickett ("Piggy") 9 Comments

It is a truth universally acknowledged that sitting next to a chatty person on an airplane is the fastest way to come to hate them and everything about them. Which is exactly what happened when I was once seated next to a financial advisor on a plane.

Suffice it to say, my opinion of financial advisors has always been rather… skeptical. I’ve never been fully convinced of their worth to the average person. I can see why they might be useful to someone with lots of fat stacks! Or to someone facing bankruptcy. But to those of us who fall somewhere in between? Nah.

Which is why I’m delighted to share that this week’s episode of the Bitches Get Riches podcast changed my mind in real time. Listen in as Kitty broadens my horizons and we discuss the true benefits of a solid financial advisor.

Me, having my whole mind changed about hiring a financial advisor.
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Stop Over-Apologizing at Work

Stop Over-Apologizing at Work

Lauren Torres ("Kitty") 16 Comments

Over-apologizing at work is a plague among our core demographic of readers (young people, women, judgmental introverts).

If you’re anything like me, you were raised to apologize way too often. I grew up in the American Midwest, Land of the Rising Ope. Socially, we value politeness above all else (corn subsidies and casseroles excluded, obviously). I never thought critically about how much I was apologizing. Until, without realizing it, “sorry” became my default response to every conceivable situation, whether positive, negative, or neutral.

  • Me, when I’m five minutes late: “Ope, sorry!”
  • Also me, but when I’m five minutes early: “Ope, sorry!”
  • And me when I’m exactly on time: (Okay, this has never happened to me even once in my life. But if it did, I would absolutely apologize for setting incorrect expectations of future punctuality.)

This habit was especially noticeable at work. For years, I unconsciously gravitated towards soft, supple, accommodating language in every communication I sent, lest my coworkers find me bitchy and unlikable. It was tedious, but I truly thought I was being a polite, flexible communicator.

In reality, I was sabotaging myself.

Now that I’ve recategorized “being bitchy and unlikable” from fears to goals, I have embraced a more authentic communication style. And that’s allowed me to express myself more easily and effectively than I ever thought possible.

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Season 3, Episode 2: "I Inherited Money. Should I Pay Off Debt, Invest It, or Blow It All on a Car?"

Season 3, Episode 2: “I Inherited Money. Should I Pay Off Debt, Invest It, or Blow It All on a Car?”

Jess Fickett ("Piggy") 6 Comments

This week on the podcast we’re dealing with a very foreign concept for many of us: an inheritance.

It’s what happens when one of your loved ones kicks the bucket and generously leaves some of their money to you.

But what do you do with a small inheritance? Do you use it to pay off your student loans? Buy a new car? Stash it in an emergency fund? Invest the whole damn thing and say your prayers to the Oracle of Omaha?

As usual, we have THOUGHTS. Listen to the episode to get them blasted straight into your ear holes!

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Season 3, Episode 1: "I Worry Paying for My Kids’ College Will Spoil Them. Don’t Student Loans Help Build Character?"

Season 3, Episode 1: “I Worry Paying for My Kids’ College Will Spoil Them. Don’t Student Loans Build Character?”

Jess Fickett ("Piggy") 2 Comments

Do student loans build character? Or is debt in our fucked-up society suffering without meaning?

Who’s worse: the parents who give their kids every advantage in life even at their own expense? Or parents who withhold crucial help in order to teach toughness and independence? Truly, this is the weightiest question in the American experience since Jubilee asked if “a mall babe eats chili fries.” (The previous record-holder? Eh, probably Socrates?)

Here it is, Bitch Nation: the moment you’ve all been waiting for. The moment we’ve been teasing for months. It’s time for SEASON THREE OF THE BITCHES GET RICHES PODCAST!!!

Yeah, yeah, I know it took a while. But there were extenuating circumstances (see: coronavirus resulting in general ennui). But since we recently won the Plutus Award for Podcast of the Year (#stopthesteal), we figured we should get off our shapely butts and actually put out an episode of said podcast.

So here it is! And it’s a good one, if we do say so ourselves. In this episode we demonstrate our extensive parenting expertise (none) and experience with student loans (lots). We also wax philosophical about the future costs of higher education. Will little Timmy eventually have to fight in the Thunderdome to get into Princeton? Only time will tell!

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Frugal Disaster Preparedness for Chill People

Frugal Disaster Preparedness for Chill People

Lauren Torres ("Kitty") 19 Comments

Disaster preparedness for chill people doesn’t really seem to exist. Like many personal finance nerds, I am a resource hoarder to my squirrelly little core. I finish every video game with a massive pile of money and top-tier supplies I worked feverishly to acquire, but never actually used.

It’s not a virtue… it’s an -itis. Don’t be like me, kids! Use those megalixers!

Given this facet of my personality, you’d think I’d be drawn to the survivalism (aka “prepping”) community. And I am—but I’ve never really gotten into it. Because most survivalist literature is too extreme for me. Exxxtreme, you could say. I swear I’ve read more than one “beginner’s guide” suggesting tools for your inevitable DIY dentistry. There is no Hint of Sea Salt prepping! FLAVOR-BLASTED ONLY!

But the coronavirus pandemic gave everyone fresh, realistic insights into what a modern large-scale disaster really looks like. Additionally, mine and Piggy’s homes have recently taken a pounding from unusual weather events caused by climate change (floods and storms for me, wildfires and droughts for Piggy). So I spent a lot of time this year thinking about this question:

What have I done—or owned—that made me actually safer or happier during a disaster?

It was hard to articulate… but it definitely wasn’t iodine tablets and camp stoves! See? I was right! As usual, I always find retrospective validation for my laziness, unpreparedness, and/or procrastination.

After a lot of deep thinking, I finally feel prepared (PREPPED?!) to define my own brand of survivalism. This is disaster preparedness for chill people!

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{ MASTERPOST } Everything You Need to Know about How to Pay off Debt

{ MASTERPOST } Everything You Need to Know about How to Pay off Debt

Jess Fickett ("Piggy") Leave a comment

You’ve passed the trials. You’ve fought hard and won your place among the champions. At long last, it is time to be inducted into the Secret Society. Which secret society, you ask? It’s a secret.

As you take your place among the robed and hooded figures in this subterranean chamber, you know not what to expect. They are lit only by the flames of an ancient fire.

One by one, the hooded figures raise their arms to the stalactites above and intone:

Let us pay off debt, brothers and sisters!

Elmo amid the flames, presumably chanting "pay off debt."

Darling readers, debt fucking happens. Having debt doesn’t mean you’re a bad person, nor that you’re lazy or stupid. But it is something you’ll have to work hard to get past. So here is our collected advice on the subject of how to pay off debt.

Go forth and conquer, for you are soon to be debt-free!

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You Deserve Cheap Toilet Paper, You Beautiful Moon Goddess

You Deserve Cheap Toilet Paper, You Beautiful Moon Goddess

Lauren Torres ("Kitty") 20 Comments

In my short lifetime, I have heard more than one perfectly sensible person tell me they “can’t do” cheap toilet paper.

Rick knows how I feel.

I don’t know why people tell me these things.

It’s like they want me to cry out to Father Dagon and Mother Hydra and bid them raise an army of Deep Ones from the many-columned depths of Y’ha-nthlei to sweep over the land and drown the humans in a cosmic flood as recompense for their innumerable and unpardonable follies.

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I Now Make More Money Than My Husband, and It’s Great for Our Marriage

Jess Fickett ("Piggy") 23 Comments

For years my husband Bear and I toiled away at low-paying non-profit jobs.

For the most part, our salaries were pretty comparable. With every raise or promotion, we’d leapfrog each other by small degrees. We both had side hustles, too: me as a freelance editor, him as a bouncer at a nightclub. (Which… sucked.)

Slowly, things changed.

My raises and promotions weren’t keeping up with his. He was outearning me, and able to quit his side hustle (which was great, because getting puked on is no fun). Whereas I had to freelance more to bring in even close to what he brought home. It was one of the first signs that I needed to quit my job at a non-profit publishing house. So I did. I left for a higher-paying job in the for-profit sector. And I was back on track, making a salary equal to my husband’s! All was well in the land of Equal Division of Labor!

But then things changed again.

I got a newer, better, cooler day job. My side business took off, too. And suddenly, I now make more money than my husband… by a lot. Which has given me a lot to think about what a truly equal marriage looks like.

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