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S2 E6: "Someone offered to mentor me! How do I be a non-sucky mentee?"

Season 2, Episode 6: “Someone Offered to Mentor Me! How Do I Be a Non-Sucky Mentee?”

Paying it forward! Not just a cheesy movie starring lil baby Haley Joel Osment anymore!

Before I got my first big-kid job, I benefited from three different internships. The super kind, super dedicated, and super patient people who supervised me at these internships had an incredible impact on my education and career. I’ll never know why they put up with me, I’m just grateful they did.

So when I got that big-kid job, I knew I needed to start an internship program for the company. My work ethic and on-the-job know-how had been shaped by my mentors, and I felt the best tribute to these kind people (all of whom I’m still in touch with to this day) was to pay it forward.

I’ve had dozens of interns over the course of my career. And Kitty is part of her company’s professional mentorship program. By our powers combined, we’ve got loads of advice on how to be a good mentor—and more importantly, how to be a good mentee.

This week’s question

Today’s question comes to us from an anonymous Tumblr follower. They ask:

I have been offered a mentorship opportunity at my place of employment, and I am looking for advice on how to make the most of it as the mentee. I am actively working at taking a more proactive role in my career and financial situation as I have a bad habit of underselling myself and my time. One of these days I will be a boss bitch, and this is a ladder step for me to get there. Any tips would be greatly appreciated!

For more on the topic of being a good mentee and navigating the work place:

We rely solely on our patrons to keep us alive and kicking. If you’re enjoying season two of the podcast, it’s all because of them. So a big thank-you to our Patreon donors! In exchange for their support, we gift our patrons with all kinds of exclusive Bitch content—24/7 Q&A support, exclusive merchandise, the occasional video of us doing dumb shit, and polls on future article topics every month. If you want to become a patron of Bitches Get Riches, head on over to our Patreon page!

I just made $1,900 very quickly and very easily. And you may be able to as well--but only if you're irresponsible and disorganized.

The Suspicious but TRUE Magic of Unclaimed Property: How I Made $1,900 in 10 Minutes Just by Being a Disorganized Mess of a Human Being

It’s hard to pinpoint which personal finance site I dislike the most. There are so many tone-deaf mansplainers and pyramid scammers to choose from!

… But The Penny Hoarder is way up there.

I see their ads everywhere. And I’ve read more than a few of their articles, thanks to their scientifically-engineered-for-maximum-clickbait titles. But they are so utterly and embarrassingly saturated with affiliate referral links promising “quick” and “easy” money that I feel the strong need to shower afterwards.

Ugh. I just really hate that kind of crap.

Spoiler alert, kids: almost nothing worth doing can be done quickly or easily. By definition, people only seek quick and easy solutions to long and hard problems! “One cool trick” ads ain’t out there saving lives.

  • If there were miracle exercises that gave you Jason Momoa’s body with only ten minutes of weekly exercise, there would be no highly compensated personal trainers in LA, and everyone would look like Jason Momoa. (And what a lovely planet that would be!)
  • If there were miracle diets or supplements that could really change the shape of your body quickly and easily, we’d’ve discovered them millennia ago, because there is nothing on this green earth that a human being hasn’t shoved in their pie hole. The only truly new food we have invented in the last ten thousand years is Velveeta, and in my hands-on experience, eating Velveeta initiates a slow process of becoming Velveeta.
  • If there were some miracle product that could eliminate acne, there wouldn’t be 2.5 aisles full of hundreds of different skincare products at Target. We would just use The One!

The same is absolutely true for money as well. If it could grow on trees, there’d be a fuck ton more arborists. Alas, currency is a scarce commodity that’s difficult and time-consuming to accumulate by its very nature.

I say all of this so that you understand how shocked I am to be writing an article with this headline… and meaning every word of it.

I just made $1,900 very quickly and very easily. And you may be able to make money in the exact same way—but it only works if you are as irresponsible and disorganized as I am.

Intrigued? Mwa ha ha… good.

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S2 E5: "What do I need to know about moving into my first apartment?"

Season 2, Episode 5: “What Do I Need to Know about Moving into My First Apartment?”

It is Bitches Get Riches canon that Kitty and I met when we were randomly assigned roommates freshman year of college. We bonded through the adversity of cohabiting in a forced triple with an infuriating third party who shall forever remain nameless. The two of us shared a bunkbed and ceded one entire half of the room to that creature’s baffling habits and excessive belongings. I won’t go into it except to quote General William Tecumseh Sherman: “War is hell.”

Yet BGR lore rarely tells the end of the story! For after that fateful freshman year, we went on to rent our first apartment together, taking our roommateship to the next level. Nothing tests a friendship like shopping for a shower curtain together.

We survived our fourth-floor walkup with its busted dollhouse dishwasher and coffin-like shower. But more importantly, our friendship survived.

And thus, we feel uniquely qualified to dispense advice on Baby’s First Apartment!

This week’s question

Today’s question comes to us from Patreon supporter Aidan. Aidan asks:

Hello. I have been a longtime follower of your blog, but now I’m in need of financial advice so here I am. I have been researching throughout the internet and all, but there isn’t enough information about getting a first apartment. Like, what type of hidden costs or whatever are important to know about in regards to getting an apartment? How much money will I end up spending in the initial months of moving into an apartment? What type of things do you wish you knew before moving into your first apartment? Advice is much appreciated, thank you for taking time to answer this question.

– Patron Aidan

It’s like someone sent up our Bat Signal.

For more of our very knowledgeable thoughts and opinions on the matter of apartments and moving out for the first time:

We heckin adore our patrons. They’re the special sauce that brings this whole blog-cum-podcast together.* So thanks to our Patreon donors for supporting us. We know it’s but a pittance in exchange, but we reward all our patrons with exclusive goodies like 24/7 Q&A support, exclusive merch, and voting on article topics every month. If you want to join the ranks of Bitches Get Riches supporters, head on over to our Patreon page!

*Forgive me, but I cannot promise I will never use the words “special sauce” and “cum” in the same sentence again on this blog.

If the cost of regular goods and services grows at a steady walking pace, higher education is galloping away like a Triple Crown winner whose ass just met a hornet.

How to Pay for College without Selling Your Soul to the Devil

Listen you lazy, entitled whiners: it’s easy to pay for college. Just get a summer job! Why, in my day I worked weekends as a fry cook down at the diner on Main, graduated without debt, and now I’m sixty-five years old and completely delusional about the inflated costs of higher education! Ask me more about the house I bought for $60,000 and how much I resent the respectful empathy of the children I raised!

Sorry, y’all. Probably should’ve started that with a trigger warning.

Whenever we write about student loans, we get at least one comment like this. Except with more caps lock. We delete them. We never silence interesting criticism, but come on, this ain’t a public square for every old man who wants to yell at a cloud! We pay good money for this web hosting!

At least where the cost of college is concerned, things aren’t what they used to be. Thirty years ago, it cost the modern equivalent of $8K per year to attend a public college and $18K per year to attend a private college.

Today, the same year of school would cost $21K and $48K. And you’re supposed to buy FOUR of them!

If the cost of regular goods and services grows at a steady walking pace, the cost of higher education is galloping away like a Triple Crown winner whose ass just met a hornet. I didn’t even mention the cost of textbooks, room and board, and other academic fees, which are all even worse. Can’t be giving you nightmares!

Meanwhile, average hourly wages have barely increased 11% (adjusted for inflation), making the wage-to-college-cost-ratio just fucking laughable. Yet college is still a barrier to entry into not only white collar jobs, but an ever-increasing number of blue collar jobs.

My purpose here is not to unpack the absurd inflation of higher education costs in recent years (I’d need another 2,500 words, and I can only hold your attention through so many gifs). Nor is it to debate the relative value of a college degree (another 3,000 words).

Instead, I want to focus on practical solutions for people who’ve already weighed their options and decided that college is right for them. Yes, a traditional four-year undergraduate degree is heckin’ expensive as fuck. Short of The Deep Magic, how do we mere mortals even attempt to pay for it?

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Season 2, Episode 4: "Does my career have to define me? Or can I just clock out?"

Season 2, Episode 4: “Does My Career Have to Define Me? Or Can I Just Clock Out?”

I like me a timely discussion. Especially when it’s completely unplanned!

Which is definitely the case with this week’s episode of the BGR podcast. We recorded it in… April? May? (Time is a flat circle infected with COVID-19 so who fucking knows???) And yet it directly links to my story about getting laid off, which we published just a few weeks ago.

Toward the end of my job, I was really struggling with work/life balance, and making choices to prioritize my employment—not even my career, but just holding onto a job it turns out I didn’t really need—over my happiness. In short, I was balancing work and life all wrong.

Which leads us directly to this week’s illustrious podcast question asker!

This week’s question

An anonymous Tumblr follower asks…

Bitches, halp. I don’t want to do amazing shit for my job. I just want a steady 9-5 with routine, white-collar work I can drop and forget the second my feet cross my home threshold. I’m in the EU, so this kinda job still exists over here, lucky me. But damn if I don’t feel bombarded from all sides with “LOVE YOUR JOB; YOUR JOB DEFINES YOU; YOU = YOUR JOB; IF YOU DON’T HUSTLE 24/7 YOU’RE A FAILURE.” How the fuck do I kick that outta my brain? I just wanna earn money, feed my cat, and play games, dammit.”

You’ve got to admire the pure simplicity of this question. They’re not looking for passion and fulfillment inside the workplace… because they’re planning on getting it through their rich personal life! And yet this seems so antithetical to every fucking “LOVE YOUR JOB AND YOU’LL NEVER WORK A DAY IN YOUR LIFE” inspirational poster hanging in a middle manager’s office.

Can one truly just rake in a paycheck and then completely disconnect? Leave work at the office and revel in truly free personal time? Let’s find out!

For more on this topic:

Our patrons are the wind beneath our wings. Without them, season two of the podcast simply would not have happened. We literally can’t stop thanking our Patreon donors for all the support they give us. Which is why we reward their loyalty with patented BGR goodies, like exclusive merch, monthly article topic polls, and direct, 24/7 access to our Bitchy guidance. If you want to join the ranks of Bitches Get Riches supporters, head on over to our Patreon page!

Mountains of debt cannot be repaid just by packing lunches and cutting cable. Those are comforting bedtime stories we tell ourselves about capitalism.

The Real Story of How I Paid Off My Mortgage in 4 Years

As of fifteen minutes (and one very cold beer) ago, I officially own the beautiful house I’m sitting in right now.

My partner and I have been refreshing our mortgage account every few hours today, waiting for the final payment to process. (Weirdly, you have to WIRE the final payment. Seriously? After this years-long relationship of sending personal check after personal check, our mortgage lender refuses to trust us at the finish line? Fine, whatever…) Just before the close of the day, it happened.

Current principal balance: $0.00.

$0.00.

My mortgage is gone. I am done paying rent. If all things go according to plan, I will never ever pay rent again for as long as I live. Let’s talk about it!

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Season 2, Episode 3: "Why is my girlfriend pissed at me for being generous?"

Season 2, Episode 3: “Why Is My Girlfriend Pissed at Me for Being Generous?”

We have friends in real life.

No really, we do!

Why don’t you ever hear about them? They, uh, live in Canada…?

This week’s question comes from one of our IRL pals, whom we’ve called Will. He’s in conflict with his girlfriend over money. Specifically, she seems to be giving a lot of side-eye to his personal generosity—especially when the beneficiaries of that generosity are her family members.

Luckily for Will, one of our main skills is guessing why women are mad.

This week’s question

Will (who definitely isn’t a former prosecutor and current Senator for the state of California) asks…

My girlfriend and I are sort of fighting over money. When we first met, I had NOTHING. Like, sleeping-in-my-car nothing. But in the last three years my career miraculously rocketed into the stratosphere. I’m making SO MUCH MONEY. Meanwhile, her career has kind of plateaued. She’s working hard, but not getting ahead. Meanwhile I’m getting tired of winning.

But the real issue is she’s mad about how I spend my money. I don’t mean I waste it all. Nope, instead I’m making up for all the times friends helped me. Humble brag, but I’m ridiculously generous right now and I love it. I give friends gifts, pay for dinner, and tip big all the time. I’m sure this attitude will wear off eventually, but right now I’m just enjoying spoiling the people I love, INCLUDING MY GIRLFRIEND.

But recently when her sister said she couldn’t afford a $300 class to finish getting her social work degree, I just gave her the money. I was happy to do it: it would improve her life, the money was nothing to me, and I’m sure she’ll pay it forward. But my girlfriend was PISSED and I don’t quite understand what I did wrong. Can you do your feminist-to-dumb-guy translation here and help out ya boi?

– IRL Pal Will

Oh, we have theories. In fact, I’d say this whole episode is brought to you by “women’s intuition.” Which is a thing that has actual scientific basis! Yeah, man, it’s just like, soooooooo weird that people who are socialized from earliest infancy to pacify and accommodate others under implicit threat of physical violence get pretty good at reading the intentions of others… I wonder what kinds of exciting shit we already know that science will discover next!

Like our ~romantic~ advice? I mean, okay, here’s some more:

Thanks again to our generous Patreon donors for their support. Without it, this season simply would not be. If you want to join the ranks of Bitches Get Riches supporters (and get your name read aloud on an episode of the podcast) head on over to our Patreon!

With 18 million Americans out of work, it's more important than ever to job search like a Dothraki Khalasar riding down a regiment of Lannister foot soldiers.

Our Best Secrets for a Successful, Strategic, and SHORT Job Search

“I love looking for jobs!” Said no one ever in the history of the world.

I’m not exaggerating when I say I enjoy the job hunt about as much as I enjoy a hornet sandwich on rye. Or an acid enema. Or a candlelit dinner with Hannibal Lecter. (You guys are imaginative—pick your unpleasant analogy of choice.)

And I’m just guessing here, but I don’t think I’m alone.

At time of publication, 17.8 million Americans are out of work. That’s… a lot of people unemployed, most of whom are probably looking for jobs. Like, a lot. And according to the Bureau of Labor Statistics, it’s all thanks to our friendly neighborhood coronavirus. Which means that a) a lot of us are unemployed because businesses have shut down, b) jobs at those businesses are no longer available, c) there’s incredibly stiff competition for the few jobs that are available, and d) we’re all a teensy bit fucked.

All of which is to say: it’s more important than ever to approach your job search like a Dothraki khalasar riding down a regiment of Lannister foot soldiers.

With terrifying ruthlessness and precision.

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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?”

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!

This week’s question

An anonymous Tumblr follower asks…

Hi Bitches! I’m only twenty years old, so I know this is unrealistic, but my greatest wish in life is to own a teeny tiny cottage somewhere with a garden.

I don’t even care where in the world I have to live to make it happen. Like I said: unrealistic. I know that I probably won’t get my little cottage for a long time.

All the same, I know absolutely nothing about how to work towards that goal, so do you have any advice for a young aspiring homeowner? How does buying a house even work? Thank you!

Kitty and I had a very, very visceral reaction to this question, which you’ll hear in the episode. I’m not saying we decided to burn it all down and start the revolution because owning a small rural home with a garden should not fucking seem like an unattainable goal, but, well…

I digress. Here’s your homework:

A huge fucking thank you to our lovely patrons, who made season two of the podcast possible. The capeless heroes who are our Patreon donors get all kinds of extra BGR goodies, including grainy cellphone footage of us singing the “Elephant Love Medley” from Moulin Rouge. Well worth their hard-earned pennies, I’m sure they’d agree. Patreon donors can vote on article topics, pitch us questions directly, and get private answers from us directly in their inbox. Join us over at our Patreon page!

As Johnnie Cochran would say: if the interest rate's nil, don't pay that bill!

Ask the Bitches: “The Government Put My Student Loans in Forbearance. Can I Really Stop Paying—or Is This a Trap?”

So… I made a mistake.

Our Patreon donors have been so wise with choosing quality topics in the past. So this month, I invited our supporters to pitch article topics directly to us.

Sounds great, right? WRONG. This was a huge mistake because all of our supporters’ ideas are fucking great! Now I have no choice: I simply must write them all. When am I supposed to do my life’s most important work: incorrectly cutting the wood for my woodworking project, then driving to Lowe’s to buy more wood???

This is technically incorrect. Piggy is the Chip.

One question stood out as being particularly time-sensitive, so today I’m answering this question from Patreon Rachel, who we all know to be so glitteringly beautiful that she’s regularly mistaken for an ice sculpture of herself:

I’d love to know your thoughts on U.S. federal student loans currently being deferred with no interest. Is it smart to continue to make my regular payments? Or should I stop making payments and use that money to invest in other things?

– Patreon Donor Rachel

An excellent question! Today we’ll address the basics of student loan forbearance, including how it pertains to the CARES Act. (That’s the $2 trillion stimulus package we explained here.)

Luckily there’s a fairly definitive answer, which I am just barely capable of explaining in human speech. Let’s get into it!

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