If it is also your goal to save money, eat well, and become my mother, then settle in.

How to Shop for Groceries like a Boss

It’s happened. That thing countless rom coms and heteronormative popcorn flicks from the 90s warned me about. The thing I swore at the tender age of sixteen would never, ever happen to me.

Dear readers, I have become… my mother.

My fate is sealed and I’ve got proof! At the grocery store, I haughtily wave my cloth bags at the bagger and proclaim, “I prefer to bag for myself.”

It’s not that I hate baggers and seek to force their entire profession out of employment. It’s just that they don’t do it right, with “right” defined as “according to my very particular and neurotic specifications.”

The one time I was in a hurry and neglected to bag for myself, I lost a bag to the straining weight of all the most heavy items on my grocery list. It burst right there on my front stoop, ripped apart by the carelessness of a bagger who clearly had not trained for extreme grocery bagging at the feet of the expert: my mother.

All of which is to say: I take every step of the grocery-shopping process extremely seriously. And if it is also your goal to save money, eat well, and become my mother, then settle in.


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By the time I arrived at work, I was in control of myself, focused, and ready to rip throats out.

My Secret Weapon for Preparing for Awkward Boss Confrontations

I’ve had a lot of uncomfortable discussions with bosses. A few things I’ve told them that come to mind…

“You deliberately humiliated another employee on a group call, and that level of immaturity and pettiness is professionally unacceptable.”


“Your administrative assistant, whom you love like a son, says casually and openly racist things whenever you’re not in the room.”


“You need to pay me $20,000 more dollars.”

To be fair, I said that last one nicer. And I had some great PowerPoint slides to go along with it!

Unlike a lot of people, I am actually very comfortable with conflict. I would even say I thrive on it. (There’s no way to say that and not sound like an asshole, but I am what God made me: an ENTJ.) Of all people, I probably go into a confrontational situation with the least possible amount of anxiety.

Nevertheless, I need extra deodorant on those days. My hands shake. My voice trembles. Which I really, truly hate. It makes people think I’m nervous, when it’s more of an under-exercized-border-collie-looking-at-a-fat-city-pigeon-and-trembling-with-overwhelming-herding-instinct situation.


Having a difficult conversation with your boss is really hard. They’re often terribly high-stakes. Depending on the nature of the conversation, you may feel like you’re ambushing your boss with new and unpleasant information. Your life and livelihood may feel like they hang in the balance. It is not easy to stay chill.

That’s why I have a secret weapon for going into such conversations.


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Here are five easy, lightning-fast things you can do right fucking now to help your financial situation. DO THEM.

5 Easy Things You Can Do Right Fucking Now to Help Your Finances

When you wake up from the capitalist, consumerist nightmare that is our socioeconomic system (#SJW #eattherich), the thought of getting your financial shit together can be daunting. Where do you begin? What can you do right away to make an improvement in your financial prospects? How do you avoid fucking everything up even further?

It can all be a bit overwhelming.

But it doesn’t have to be.

Here are five easy, lightning-fast things you can do right fucking now to help your financial situation. Do them.


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Our Single Best Piece of Advice for Women (and Men) on International Women’s Day

This post is part of the #WomenRockMoney Movement, a group of female personal finance bloggers who have come together to inspire more women to own their finances. Thanks to Chelsea for putting together this collaboration and the amazing homepage for the movement!

As part of International Women’s Day, we’ve partnered with other personal finance bloggers under the hashtag #WomenRockMoney. Our task was to:

“Write your one most important piece of advice you wish all women know. This is your ‘shout from the mountaintops,’ inspirational speech for women. It can be something you wish you knew when you were younger, something you’ve learned from experience, or something you are still working on mastering today.”

This is an overwhelming question. We started this blog because we’re a bottomless pit of unsolicited opinions! How the hell are we supposed to boil it all down into one single piece of solicited advice?

But all right, all right. There is one piece of advice that ticks all of those boxes. It’s our shout-from-the-mountaintops, inspirational speech for women—and men! It’s something we wish we knew when we were younger. It’s something we’ve learned from experience. And it’s something we’re still working on mastering today.

Conveniently, this advice fits neatly into a single word:



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This is Bitches Get Riches. If we need an example of an awesome intersectional hero, we'll obviously go straight to a G-rated 90s film that no one remembers.

A Little Princess: Intersectional Feminist Masterpiece?

People really don’t like to be called “privileged.” We’ve had a small number of readers who’ve felt compelled to leave comments rejecting the term. Most of these fit into one of three categories:

  1. “I am really offended that you would assume I’m a racist, because I’m not.”
  2. “I am really offended that you would assume that I am rich, because I’m not.”
  3. “I am really offended that you would assume that my life has always been easy, because it hasn’t.”

These comments speak to three of the most common misconceptions/misinterpretations of the meaning of the concept of privilege. Namely:

  1. Having privilege implies bad moral character.
  2. Having privilege implies some degree of monetary wealth.
  3. Having privilege implies that you have never known struggle, and that nothing bad or unfair has ever happened to you.

These three things are categorically untrue. But it’s hard for some people to see a more nuanced vision of the word’s meaning. It conjures up visions of sneering 1980s rich-jock villains with cashmere sweaters tied around their necks. The kind of people named ~ C h e t ~ or ~ T i n s l e y ~. That is an idea with which, very understandably, no one wishes to align themselves!

Both history and fiction are filled with privileged people of strong moral character who undergo extreme setbacks and losses. And privileged characters can make amazing heroes. There’s nothing at all about their privileges that excludes them from being admirably brave, loyal, clever, compassionate, fearsome, ambitious, or generally fascinating.

Now, this is Bitches Get Riches. If we need an example of an awesome intersectional-yet-privileged hero, we’ll obviously go straight to a G-rated 90s film that no one remembers.

God, this cinematography...



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Like your fingerprint, or your RuPaul's Drag Race fantasy league, your emergency fund is unique to you and you alone.

You Must Be This Big to Be an Emergency Fund

Here’s a horrifying fact. 46% of Americans can’t come up with $400 to pay for an emergency. Instead of an emergency fund, those people have to use credit cards, borrow from friends and family, or just… not pay for the emergency.

Scary, right? That means almost half of my countrymen are one fender bender, one slip on the ice, one infant with pneumonia away from—at best—massive debt. And at worst, massive bankruptcy. Homelessness. Abject poverty and desperation.

Think I’m being dramatic? I’m not.

My purpose in bringing up the nightmare that is living just above the poverty line is not to nag those who can’t afford an emergency. What kind of monster would belittle people so poor they have no way of saving themselves from one minor stumble on the road to making ends meet?

I’m also not here to advocate filing for bankruptcy multiple times (let’s say six) as a legitimate means of making emergencies go away.

Instead, we’re here to plumb the depths of one of personal finance’s most enigmatic puzzles:

How much money should you have in your emergency fund?


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When you live alone, no one will kick you out of bed for eating crackers.

Ask the Bitches: Why Are Painted Mason Jars the Internet’s Only Solution to My Tiny Apartment Woes?

In finance, Piggy and I are as the knuckle-dragging Australopithecus. We’re upright, we get the job done, don’t yell at us! But we’re the clumsiest possibly hominids. Our knowledge is erratically cobbled together from history books, finance podcasts, Kitty’s racist-yet-thrifty grandpa, and poorly-sourced socialist Facebook memes.

Thankfully, there are other areas where we are Homo neanderthalensis: graceful and erect, with powerful bodies and minds, superbly adapted to the cold, with cosmopolitan attitudes on interspecies breeding. Our knowledge in these areas is instinctual, virtuosic. And one of these areas is organizing small spaces.

Today we have a great reader question from our Tumblr on this very topic:

Hi! I love your blog and I find it really helpful!! I’m a mid-20s human in the SF Bay Area. I got a job and and was able to get an extra $15k in my salary (thanks to your advice!), and have now moved into my own little studio. My problem is this: Everything to help you “save space” on the web seems to actually be “how to move your entire kitchen into hand-painted mason jars”. Any advice on how to organize my space without buying useless storage buckets on Amazon?

Is… is this what I think it is? IS THIS PERMISSION TO GO ON MY BIG RANT ABOUT MASON JARS? Oh, thank the stars! (Jars?)


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Hold your lectures, bikevangelists.

The Joys of Getting Around Without a Damn Car

Loyal citizens of Bitch Nation, I have a confession to make.

I fucking hate driving.

It’s tedious and boring. It takes up time I could spend in other ways. It raises my blood pressure because everyone else is a really fucking bad driver but definitely not me I’m perfect. Cars are noisy, dirty, and expensive. And I’m expected to follow the rules of the road when I just wanna be all

So yeah. Me and cars? We don’t get a long.

And I’m not alone. Haunt the halls of lifestyle blogs and personal finance advice long enough and you’ll run into people who have gone to great lengths to go without driving.

Living a carless lifestyle is entirely possible for a lot of us, and the joys and benefits are many. Getting around without a car saves you a trunkload of cash (see what I did there?), it’s better for your health, and it’s better for the environment. It can even save you time, in certain circumstances.

Below I examine the joys and practicalities of carless modes of transportation. It’s by no means a complete list, so I encourage class participation! Tell me all about your car-free mobility in a comment.


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The transition from struggling to thriving can be very jarring.

Ask the Bitches: I Know How to Struggle and Fight, but I Don’t Know How to Succeed

Oh, everyone, I have a great treat for you today. It’s a very interesting letter from one of our Patreon supporters!

If you don’t already know, anyone who makes a $5 donation to our Patreon account will get to ask us a question. Any question! And they may do so privately or publicly. This was a private question, but I asked our patron (whom I’ll call Hope) if I could share it with you. Because despite Hope’s rather specific situation, I think it speaks to a surprisingly universal experience.

I’m a single mom and have spent the last 7 out of my son’s 10 years of life struggling HARD. I’ve climbed my way up my professional ladder with no formal education or degree. I accrued $20K in debt during these hard years, but I have a plan to pay it off over the next two years, and overall my prospects are good.

My problem is this: I’ve always dreamed of putting away money for a down payment on a house my son can grow up in. But my son will be 12 by the time I’m ready to start saving. By the time I can afford a house, we’d have little time to enjoy it together. I can’t see myself being stuck with a house at 40 years old and my son gone off to school or whatever he ends up doing.

I know it sounds like this isn’t a problem, but I’m afraid that without a plan or goal, I’ll end up squandering anything I’m able to save once I get this paid off. I’m afraid of having money and not struggling and wasting money. I’m thinking of starting a college fund, a travel fund, I have no idea fund, but other than the small-scale budgeting I can do, I have no idea how money works. 

How can I “get riches” and be smart and not lose them for lack of a plan? is it too late to set my son up for success in other ways? Should I just be talking to an accountant? 

Any advice you could give would be great. I know how to struggle and fight, but I don’t know how to succeed.


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Buying an expensive game console is laughably cheaper than shelling out $13 to see a movie every Saturday night.

Ask the Bitches: How Can I Absolve Myself of Financial Guilt Over My Pricey PS4?

It’s hard out there for a broke-ass bitch. You try so hard to be frugal and disciplined, to make sound financial decisions and never waste a dime.

Yet still, financial guilt happens to the best of us. It can sneak up to bite you in the ass like some kind of slippery, perfidious garden snake in the Eden of your good monetary habits, leaving one trembling and sweaty with remorse and second thoughts.

Regretting a purchase or agonizing over a financial decision builds anxiety and stress migraines and is just generally no fun.

Recently loyal citizen of Bitch Nation Bettedavissighs (one of our darling Tumblr babies) asked a question about financial guilt. Her concerns are near and dear to my anxious little gazelle heart:

Hey Bitches, I just bought myself a PS4. It’s a big splurge on something non essential (I am fairly responsible w money, esp. now that I’m getting into FI stuff). How do I stop feeling guilty about it? I’ve wanted it for months (newbie gamer), but I keep having moments of extreme anxiety (how much I spent on it!). I had the money, so don’t get why I’m feeling like this now. Maybe it’s just a result of growing up poor? Love your blog! (ps any game suggestions, prefer w good female characters?)

Honey, I feel you.


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