healthcare Archives • Bitches Get Riches

How to Manage Your Burnout When the World Is on Fire (Bonus Episode)

May 22, 2024May 22, 2024 Ducky Leave a comment

Hiya, Bitch Nation. Ducky here!

Kitty and Piggy are the best bosses I’ve ever had (and not just because I’m legally required to refer to said bosses as “the Bitches” in casual conversation). They are unquestionably brilliant, unfairly funny, and unbelievably supportive.

Both Kitty and Piggy have been through their share of burnout. And while I’ve been dealing with it due to the stress of one of my other jobs, they have been consistently by my metaphorical side, gleefully eating metaphorical popcorn, and providing invaluable, actionable advice.

There is no one better to have on your team when you’re considering questions like, “Am I experiencing burnout?” or “How much stress and toxicity in the workplace is too much?” or “If I follow Kitty’s advice and actually drop the line ‘It sounds like I’m not meeting your expectations as an employee—should we go ahead and set my last day?’ will I get fired on the spot?” (Spoiler alert: we were severely understaffed, so no!)

All of which is to say that after many years of putting their brilliance on the internet for free, the Bitches are offering their first ever course on the topic of burnout! It was, to quote Piggy, a labor of love… but a labor nonetheless. And to quote Kitty as her body broke down into its component parts upon completion of this project, “Oh god my spleen!” (probably).

In today’s special bonus episode of the BGR podcast, the Bitches walk you through a sneak peek of their new course. Listen here and on your favorite streaming platform, or scroll down for a transcript of the episode.

Get the Burnout Workshop Here!

Our (Ridiculously Simple) Method for Choosing the Right Healthcare Plan For You

April 16, 2024April 12, 2024 Lauren Torres ("Kitty") 7 Comments

Choosing the right healthcare plan can be intimidating, especially if you’re doing it for the first time. The stakes are high; the options are confusing; there’s often a small window during which you can make the choice before you lose your chance; and the whole thing highlights the merciless jank that is our healthcare system!

Luckily, there’s an incredibly easy, 100% foolproof way to make the decision. Here’s our secret to choosing the right healthcare plan:

First, you put it off until there’s only, like, two days left to pick. Then, you forward all your onboarding documents to your dad’s wife, Carol. She is the perfect person for the task, being both generous and detail-oriented in a way you will never understand. Finally, you pick whichever one she says, and never think about it again until your soul walks the halls of the Duat and Anubis weighs your heart against Ma’at’s Feather of Eternal Truth.

Choosing the right healthcare plan? You can do that in your jammies.

… What’s that?

You don’t have a Carol?! My, how awkward for you.

I suppose that means the task falls to me. Heavy is the head that wears the crown of reading fine print! Today I’ll explain a really easy method for choosing the right healthcare plan. If you’ve never chosen your own plan, or you’re faced with a bunch of new options, it’ll help you quickly identify the best one based on your specific healthcare needs.

Today’s article pertains to the American healthcare system. International readers, I’m releasing you early. Use this time to study up on equally important international adulting tasks: navigating Ryanair’s lost baggage policy, keeping poutine from getting soggy, etc.

5 Horror Movies About Money to Terrify You This Spooktober

October 25, 2023October 25, 2023 Lauren Torres ("Kitty") 15 Comments

Just in time for Halloween, we’re here to pitch five of our favorite horror movies about money. We just noticed it’s been far too long since we wrote something unabashedly silly. Forgive us!

You may not know this about us, but we Bitches are high-key obsessed with scary movies. If we’re hanging out together, odds are high we’ll throw on something with ghosts, ghouls, werewolves, or axe-wielding serial killers. There are three main reasons this genre appeals to us:

Horror movies are creative. They often have tiny budgets, which forces filmmakers to work with what they have and hone in on what matters. Many household names got their start in the proving grounds of horror. It’s a chance to see fascinating examples of undiscovered genius.
Horror movies expose uncomfortable truths about life and society. All great spooky films are about something real. The surface-level scares of a zombie horde are symbolically linked to our deepest anxieties about other people. The vampire is the unknown outsider; the werewolf the uncontrollable id. The horror genre boldly leaps into subjects where comedies and dramas fear to tread.
Adrenaline is a helluva drug. We’re too old to know where to get good drugs. We have to make them the old fashioned way: by abusing our endocrine systems. With art!

And really, isn’t that what’s interesting about money, too? Our ~*whole deal*~ is trying to make the best, most values-aligned decisions we can with limited funds. This article is extremely on-brand and aligned with our core mission. DO NOT try to tell us otherwise!

Today, we’re plugging a few of our favorite horror movies with a financial twist. The terrifying root of each one is something related to money and the power it brings.

Your Super Simple Guide to COBRA Health Insurance

June 14, 2023March 7, 2024 Lauren Torres ("Kitty") 9 Comments

It’s really hard to fully understand what COBRA is and how it works. It’s a strange but potentially useful little product—but you’re only eligible for it if your life is already in a state of chaos. I don’t know about you, but I’m not great at absorbing complex new information when I am flying through the sky like Adrien Brody in the opening sequence of Predators!

COBRA is a very specific type of health insurance coverage. You can get it in only one circumstance: when you leave a job that has employer-provided health insurance. It’s meant to help you bridge the gap between when your old insurance coverage expires and the new coverage kicks in.

And honestly? Thank god.

If I’m under a fantastic health insurance plan from January 1 to December 30, my ass will be immaculately healthy for all 364 of those days. Then on New Years Eve, I will accidentally drop a bottle of sparkling wine that cannot legally be called champagne. I will twist both ankles as I log-roll over it, windmilling my arms comically while shouting “w-w-woah!” Then I will tumble ass-over teakettle down a staircase, landing on a bed of spikes, and all my prions will simultaneously fold the wrong way.

My body, the day I'm not covered by COBRA.

Like, I’m not superstitious. I’ve just lived long enough to know that’s literally how the world works. The moment you don’t have health insurance coverage, something spectacularly bad is bound to happen.

Which is exactly where COBRA comes in!

3 Legal Documents You Need NOW and Where To Get Them Online for Cheap

January 26, 2023January 28, 2023 Lauren Torres ("Kitty") 21 Comments

A while back, a mutual friend of the Bitches unexpectedly found themselves in the ICU. They were very young, very healthy, and due to be married to their deeply devoted partner within weeks. They were unconscious and totally incapacitated, and needed someone to make healthcare decisions on their behalf.

The funny thing about engagements is that they aren’t legally binding. So even though their fiancé absolutely knew their wishes better than anyone, all medical decisions reverted to their mother. I should say: the alcoholic, emotionally abusive mother they’d moved thousands of miles to escape from.

Maybe you’re one of those lucky people with a spouse, or living parents, who understand and agree with your decisions 100% of the time. But maybe you’re like our friend above, and your default healthcare advocate according to the law is dangerous, untrustworthy, or completely out-of-touch with your wishes and values. Failing to plan for unforeseeable medical emergencies can put your body and your life into the hands of someone who you don’t trust.

And that is a very, very scary situation.

The Ultimate Guide to Helping a Sick Friend

September 6, 2022September 6, 2022 Lauren Torres ("Kitty") 15 Comments

This month, our wonderful Patreon donors requested an article on helping a sick friend. I couldn’t be happier, since this has become an area of special expertise for me!

I’ve spent the first months of my early retirement as a full-time caregiver. That definitely wasn’t the plan! My partner was diagnosed with a femoroacetabular impingement: the ball-and-socket joint of his hip wasn’t quite ball-enough, and the socket was too-sockety. So he had corrective surgery. Obviously, getting bone shaved off a weight-bearing joint ain’t something you bounce back from quickly. For him, it meant 6-8 weeks of bed rest, plus 5-6 hours of physical therapy every day, to fully recover within six months

Helping a sick friend is kind of a big deal.

And I wasn’t just taking care of him! While this was happening, a good friend got gender confirmation surgery. They stayed with us for the first part of their convalescence. And somewhere in there, our oldest dog got twelve teeth pulled. It was a lot to deal with all at once! Our house was overflowing with love and pills, pills, so many pills, and also sprays, and ice packs, but mostly pills.

So believe me when I say I’m bringing the full force of personal experiences into this guide to helping a sick friend. More than anything, it takes creativity to be helpful in situations where you feel powerless.

So I’m happy to impart this hard-won adulting wisdom. I hope you can use it to be the MVP of a loved one’s recovery.

Your Yearly Free Medical Care Checklist

August 10, 2022March 7, 2024 Lauren Torres ("Kitty") 9 Comments

If you are an American who is lucky enough to have health insurance, you almost certainly have free medical care coming your way.

Several annual and semi-annual services are available to you with no copay—and you have absolutely no reason not to use them. Technically, you have already bought them, as their cost is built into the premiums you’ve already paid. And your body will thank you for it! Even if you feel perfectly healthy, establishing a baseline of health will help your medical professionals detect problems early.

Pro-tip: don’t wait until the end of the year to do all this stuff! Every medical office I’ve ever been to is slammed during November and December as everyone tries to use up their benefits. Schedule it now to avoid the crush.

Here’s what you should be doing every year.

BONUS EPISODE: "What can I do to prepare for life in a post-Roe world?"

How to Prepare for a Post-Roe World (Bonus Episode)

May 10, 2022January 27, 2023 Lauren Torres ("Kitty") 12 Comments

In a good timeline, no one would have to prepare for a post-Roe world. Reproductive rights would be safely enshrined in our constitution, where they belong. Plus, ice cream would never melt.

Unfortunately, last week’s news made it abundantly clear that we’re in a crappy timeline. I accepted this news with horror, but not surprise. My faith in my elected representatives is as melty as a tub of Americone Dream left on the counter overnight.

But this isn’t the time to despair. It’s time to take action. Someone gave us the incredible gift of forewarning. We have two months to prepare. And there’s a lot of steps you can take to protect yourself and others in your community from the appalling consequences of forced childbirth.

Piggy and I hopped on an impromptu recording session to help our readers and listeners steel themselves for the fall of Roe v. Wade. And I’m thrilled to say we left our aimless thrashing and redundant moralizing on the cutting room floor! (Mostly.) What remained were actionable steps to help you prepare for a post-Roe world.

Listen below, or read on for a text transcript.

The Resignation Checklist: 25 Sneaky Ways To Bleed Your Employer Dry Before Quitting

March 2, 2022March 2, 2022 Lauren Torres ("Kitty") 28 Comments

I awoke last night in a cold sweat, gripped with the sudden realization that I have an incredibly comprehensive resignation checklist… and I’ve been selfishly sitting on it, to the detriment of the millions of Americans who’ve walked away from their jobs in recent months.

I recognize that this constitutes a top ten anime betrayal.

許してくれ。

I'm so sorry I didn't write this resignation checklist sooner!!

The thing is… I’ve been daydreaming about leaving my job for years. These plans have been a part of me for so long that I kinda forgot they were plans at all. Like, I don’t necessarily notice my own breathing, stretching, or constructing elaborate fantasies about leaving corporate America forever.

Planning to quit ahead of time is a great advantage, and not everyone gets it. In most states, people can be fired suddenly, for no reason. Other people need to leave their job abruptly because of absolutely untenable issues like workplace safety or harassment. Those people do not have the luxury of planning a soft landing for themselves.

But if you’re planning to quit voluntarily, you can do what they cannot. You can be strategic. Y’know, like Light Yagami eating potato chips! And in doing so, you can extract a ton of value back from your employer and/or your government before you go.

I’m down to just one month at my job, and I’m systematically going through this list. It will save me thousands of dollars. It will also prevent a lot of logistical headaches for my future self. Because I wanna set her up with a low stress post-job lifestyle. Listening to the hold music for the COBRA continuation assistance hotline is not on my retirement vision board!

Here’s my ultimate resignation checklist…

How To Get an Abortion

January 27, 2021May 3, 2022 Lauren Torres ("Kitty") 34 Comments

Sometimes Piggy and I feel like we’ve written about every topic under the sun. Then we realize we haven’t written a guide on how to get an abortion. And we realize that no, indeed, Bitches Get Riches has only scratched the surface of topics related to finance, feminism, and fucks not given.

Abortion access has a staggeringly enormous impact on finances, whether you count that from a personal financial level or a global economic level. Yet it’s one of the least talked-about subjects in this space.

As an Angry Internet Feminist^®, I’d love nothing more than to burn bright with the flame of moral outrage and say it’s because people are cowards. But I actually think a lot of people are intimidated by the topic because it’s a genuinely complex one to research, with laws varying by state and changing all the time. But it’s that complexity that makes it such an important topic to share with you, our readers.

We dream of a future where there are no barriers for anyone to seek out this common, safe, and morally neutral medical procedure. But for many people throughout the world, that future isn’t coming quickly enough.

So today we’re going to walk you through how to get an abortion! Including information on how to self-administer an abortion safely, affordably, and discreetly if you live in an area hostile to reproductive rights.

Today’s discussion obviously mentions pregnancy loss. We also touch on the logistical challenges of managing unsupportive partners and parents, but it’s pretty tame. No gory medical talk; no sexual violence.