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If you want to eat the rich, stop feeding Amazon.

If You Want To Eat the Rich, Stop Feeding Amazon

I’ve been waiting for years for Americans to stop feeding Amazon. We had a good chance last week. Amazon employees in Bessemer, Alabama had the opportunity to form a union. But it didn’t go well. It wasn’t even close. By a margin of two to one, warehouse workers voted against it.

It’s a really disappointing outcome. But it’s also not surprising. Labor unions are weak in America.

You know who isn’t weak? Amazon.

The world’s largest retailer is one of the most powerful entities on the face of the planet. And their union-busting policies are robust, well-funded, and prodigious.

According to many reports, they paid $10,000 every day to anti-union consultants who created an environment of pervasive secrecy, fear, and misinformation. Amazon spies on its employees and fires labor organizers. Bessemer workers were bombarded with anti-union messages in every private space from bathroom stalls to their personal phones. They forced their employees to attend several hours of anti-union propaganda meetings every week filled with ominous warnings about the “union threat” to their jobs. And they fired organizers, made fake social media accounts, and even changed traffic light patterns. They even flat-out told workers they’d lose their jobs if there was a union—all for the single purpose of discouraging the workers from using their constitutional right to organize with each other.

And it worked.

I knew it would. Story after story has made it incredibly clear that Amazon doesn’t give a flaming hot shit about the well-being of their employees. To an extent that is downright cartoonishly villainous! And they don’t have to, because they won’t face any consequences for it.

No legal consequences, because everything they’ve done is perfectly legal. 

And no business consequences, because despite everything, you’re still shopping there.

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Ask the Bitches: What’s the Difference Between Credit Checks and Credit Monitoring?

The world of personal finance is full of terms designed to confuse and waylay the innocent. Yet you are a beautiful and mysterious adventurer on the exciting journey of life! You do not have time to parse the different meanings of seemingly synonymous financial terms like “credit checks” and “credit monitoring.”

Fortunately, we’re a coupla’ nerds with nothing better to do.

Recently, an anonymous follower (we’ll call them “Pudding Cup” because I assume that, like pudding, they are both sweet and smooth) asked:

Dear Piggy and Kitty, I have a question. I just got an email from the auditing office of my state saying that the unemployment filing host “Accellion” was hacked and they don’t think anything happened, but are offering a free year of credit monitoring. I have no idea what that would do or how I would use it to make sure nothing bad happened? Also doesn’t monitoring your credit (somehow?) make it worse? Would this be helpful or not really?

In short, Pudding Cup has mixed up two distinctly different concepts to do with credit: credit monitoring and credit checks. I’ll detangle the two below.

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The Financial Order of Operations: 10 Great Money Choices for Every Stage of Life

The Financial Order of Operations: 10 Great Money Choices for Every Stage of Life

One of the reasons personal finance can feel so overwhelming—nay, defeating—is that there’s so much pressure to do everything at once. I think it’s why so many people feel lost and incompetent with money. I did too, until I discovered a financial order of operations.

Money decisions are always intimidating. Every financial decision you make compounds over time! That can be good, like when investments grow. But it’s also terrible, because financial mistakes can haunt you for years after you’ve made them. With so much pressure to get it right, every single time, and always on the first try, it’s no wonder people freeze up.

I wish someone had sat me down and compassionately explained that I didn’t have to do everything all at once. If you want to stay motivated and make meaningful progress on a goal, it’s so much better to focus on just one at a time. And just like in eighth grade math, there’s a right order of operations to everything, depending on what stage of life you’re in.

Today I’m going to take you through my financial order of operations. It’s a basic blueprint of ten steps most people could follow to transform their finances for the better.

In my opinion, it’s the best order in which to save, invest, and pay off debt. It also takes into consideration the incredible importance of maintaining motivation and keeping financial decisions centered exactly where they should be: around your personal goals, dreams, and emotional well-being.

Best of all, anyone can follow the first two steps! You don’t need to have money or a job to get started. Woo-hoo! Gates are open—send in the teenaged overachievers!

Obviously, everyone is different. Think of this journey as the Oregon Trail. We all start in the Independence, Missouri of total ineptitude, and we’re all trying to get to the gloriously fruitful Willamette Valley of financial independence. Some of us may choose to raft down the Columbia River Gorge, and others will take the Barlow Toll Road. That’s totally fine! This guide will help you make informed decisions, even if you don’t follow it exactly.

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My Career Transition Succeeded When I Gave Fewer Fucks, Made More Friends, and Had More Fun

CAREER TRANSITION SUCCESSFUL: THIS BITCH IS EMPLOYED!

AIR HORNS FOR CAREER TRANSITION

As our Patreon community already knows, I, your humble Bitch Piggy, have a shiny new job! This life update comes in the wake of being laid off from a large publishing house a year ago. (You can read about the painful details of that identity-crisis-cum-career-bellyflop here.) Since then, I’ve been rocking the self-employed life as an editorial consultant, literary agent, and blogger. The hustle, my friends. The hustle.  

But now I’m very proud to announce I’ve joined the editorial team at The Motley Fool. Maybe you’ve heard of it? I’m the new managing editor for distribution acquisitions. Mostly that means that instead of wrangling book authors for a living, I’m going to be wrangling money writers.

Switching from a career in book publishing to one in financial media was no easy feat! But it did feel a helluva lot like destiny. Here’s how I made the career transition.

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5 Lies About DIYing I'm Seriously Sick of Hearing

5 Lies About DIYing I’m Seriously Sick of Hearing

Today we’re covering a subject near to my heart. Too near to my heart. Like a clogged aortic valve that’s ready to blow. It’s lies about DIYing!

This is a subject I’ve been dying to set the record straight on. Because the internet is busting at the seams with of lying liars and the lie-ful lies they lyingly lie.

Most beautifulest table.

Let me start off by asking you a question: do you like this table? Of course you do! It’s beautiful as shit. I made it myself and it only cost me $29.

(…Or did it?)

I found this poor wretch on Craigslist. It had a crust of chipping chalkboard paint—because apparently there are people who like to dine to a soundtrack of plates scraping across a blackboard?! Underneath, it was solid wood, sturdily constructed, fully disassemblable, and priced to sell at only $25. Like the conventionally attractive nerd in an early 90s movie, it only needed its glasses lifted off to become beautiful.

After sanding the old paint off, I took some glossy white paint I had leftover from another project and applied it to the legs. Then I stained the tabletop with a $4 can of Minwax stain obtained on clearance from my local hardware store. The result is a beautiful handcrafted table that you’d never know cost $29!

There’s only one catch…

I lied.
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How to Make Any Financial Decision, No Matter How Tough, with Maximum Swag

We get literally hundreds of questions on how to make a financial decision.

“O great and mighty Bitches, should I pay off my debt or add to my savings?”

“Our Bitches, who art in Bitch Nation, should I take a gap year or try to finish my college degree as quickly as possible?”

“Wise and benevolent Bitches, should I buy a house or keep renting?”

“Most beloved and humble of Bitches, how should I allocate my investments?”

“Bitches, I beseech thee: how much of my income should I budget for necessities vs. entertainment?”

One of the things about our blog I’m most proud of is that we answer as many of these questions as possible. Hence our Ask the Bitches series and the entire Q&A premise of our podcast!

It’s not entirely altruistic, though. We get off on being human Pez dispensers of advice tablets. And when we get multiple questions on the same topic, we often just write a whole ass article on said topic. BOOM! Question answered in perpetuity!

Despite the pleasure we take in our methodology, I’m about to shift it from a BGR-exclusive service to something even amateurs can do at home. With this article, I’ll wipe out about 70% of the questions people ask us in one fell swoop.

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Case Study: Held Back by Past Financial Mistakes, Fighting Bad Credit and $90K in Debt

Case Study: Held Back by Past Financial Mistakes, Fighting Bad Credit and $90K in Debt

Hi, it’s me again—your Good With Money Friend! It’s time for another case study. This time we’re talking about how to recover from past financial mistakes.

You guys really enjoyed our first case study. It tackled problems related to student loan debt, employment instability, and paying through the nose for rent in a high cost of living area. I’ve been hoping to do another one, but all of my friends’ most recent money issues have been too specific to their situations to be helpful to a broader audience.

Until now!

A friend reached out, asking for help repairing her damaged credit score. So she scheduled a 30 minute call with me to discuss her options, because I’m literally that bitch.

Obviously it turned into a ninety-minute call, mostly because I love the sound of my own voice. (Vocal fry ’til I die!) But really because the more we talked, the clearer it became that her credit score wasn’t her main enemy on the battlefield for financial stability. It was like a machine gun a mile away: an easy threat to identify, making a huge racket and scaring the shit out of everyone, but not actually that threatening in her present circumstances.

If you’ve struggled with debt, or you want to hone your Good With Money Friend skills, read on. Hopefully hearing about her situation will help some other folks!

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Sexual Harassment: How to Identify and Fight It in the Workplace

When I hear about our followers enduring sexual harassment in the workplace, I wish I had the power to turn into a centaur wielding a flaming sword. I would burst into their workplace to trample the sexist bullies under my mighty hooves. Then I’d destroy filing cabinets and computers and shit with my flaming sword just for good measure. And I’d do it all while screaming the Misogyny Speech at the top of my lungs.

Valkyrie on a pegasus, flying in to destroy sexual harassment.

In other words: I feel heckin’ strongly about workplace sexual harassment. It makes me a sad panda.

“Fighting back” or “doing something about it” is easy enough in theory. But when your livelihood is on the line, ending the harassment (and punishing harassers) gets a lot more complicated. It can affect your mental health, your physical safety, and your financial security.

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8 Genres of Productivity Music (Plus Our Secret Stash of Personal Favorites)

8 Genres of Productivity Music (Plus Our Secret Stash of Personal Favorites)

Recently I collected my twenty-five best work from home tips together into one place, and I briefly mentioned my favorite productivity music. I didn’t go into much detail because I assumed everyone knew about the lofi study beats phenomenon. But I was pretty shocked! Lots of people mentioned that it was their first time hearing about it.

Readers, I’m sorry. We try not to hold out on you—but we often accidentally do! Our favorite tools are so familiar that we can’t comprehend life without them. And then we fail to adequately hype them.

Music is a super valuable productivity tool. If I’m trying to get shit done, the wrong soundscape makes time crawl by. I’m agitated and grumpy after twenty minutes. But the right productivity music helps me find my groove quickly and stay in it for much longer. Time glides by. Before I know it, my tasks are complete.

Today we’ll highlight eight productivity music genres, plus a bunch of our favorite compilations and tracks. Y’all best bring the goods and drop your favorite productivity beats in the comments!

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One Easy Thing All Allies Can Do to Help Close the Gender and Racial Pay Gap

1 Easy Way All Allies Can Help Close the Gender and Racial Pay Gap

If you’re a rad intersectional ally who wants to make life fairer for everyone, there’s one incredibly easy thing you can do—right now—to close the gender and racial wage gap. It has to do with pay transparency. It’s an incredibly powerful form of activism, and it can be done by almost anyone. Are you ready? Here it is…

Tell your coworkers how much money you make.

Especially women, people of color, disabled people, immigrants, and any one else who is part of a historically marginalized or exploited group.

And be specific and honest! No ranges, no euphemisms, just the exact number that appears on your paycheck. Don’t skip over any bonuses, raises, or other perks you’ve earned or negotiated, such as extra vacation time, remote work days, or tuition reimbursement.

Pay transparency is a tremendous boon to yourself as well as them. And we need it now, more than ever. Here’s why.

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