Skip to main content
There are so many loopholes in pet insurance contracts that I assume they were constructed using Roller Coaster Tycoon.

Is Pet Insurance Worth It?

As we’ve discussed, Piggy and I are pretty obsessed with our pets. I admire Piggy’s restraint in having but a single dog. My house currently contains four dogs, one cat, six chickens, and two clinically narcissistic garbage disposals guinea pigs. Friends who know me to be an IRL Pokemon Master often ask me what my pet insurance rates are like.

My pet insurance bill is approximately zero dollars. Same goes for Piggy.

Neither of us have pet insurance. And there’s a reason.

Read More

Riddle me this: when is your time worth more than your money?

Should You Increase Your Salary or Decrease Your Spending?

When it comes to advice on how to become financially independent, there are two schools of thought:

  1. Increase your salary as much as possible.
  2. Decrease your spending as much as possible.

There are personal finance gurus who scoff at the idea of cutting out lattes and other minor unnecessary expenses as a path to wealth and security, instead advising you to spend your time making as much money as possible. Then there are others who extoll the virtues of thrifty living and frugality in the extreme, championing a spartan lifestyle in which you can retire early by spending minimally.

So who’s right? Which method will lead most quickly to financial independence and a life in which you no longer have to worry about money? Which tactic for peak prosperity should you pursue?

Read More

Thankfully, my spouse is DTF (down to farm).

So I Got Chickens

As I have already confessed, I love animals a bit too much. My husband and I, primates that we are, are minorities in our household. We have two dogs, a cat who believes she is a dog, and two maned pork tenderloins guinea pigs. And just this past Thursday, we came home from the feed store with six new additions.

Whoops! We now own chickens.

And from a financial perspective, we really couldn’t have done anything stupider.

Read More

If it walks like a duck and quacks like a duck...

Romanticizing the Side Hustle

Ah, the side hustle. More commonly known as the “second job,” side hustles are a badass, creative, independent—yet completely romanticized—way to increase your income. They’ve become a symbol of entrepreneurial go-gettership, a way to show the world that your ideas and goals are far too important to contain in a single 9-5. Side hustlers are super humans with the energy and vision to Get Shit Done.

Or at least, that’s the rhetoric we all perpetuate by romanticizing the side hustle.

Let’s call a spade a spade. A side hustle is a goddamn second job, and if you have one it means either a) your first job is failing to pay the bills, or b) you’re willing to trade all of your free time in order to retire early because your job sucks and doesn’t pay enough to achieve this goal. Neither scenario is particularly inspiring or empowering.

I’m not saying we should all revolt against the concept of side hustles and give up our efforts to make extra money. You can pry my side hustle from my cold, dead hands, as a matter of fact. But I think a dose of realism is in order lest we get carried away romanticizing the side hustle.

Read More

Within each INFP is a bottomless lake of love and compassion. Exactly what the fuck is an employer supposed to do with that?

Myers-Briggs Personalities and Income

There are two valid forms of personality tests: Myers-Briggs and the Sorting Hat—BUT ONLY the Sorting Hat as defined by the collective wisdom of the broader Harry Potter fandom. J. K. Rowling’s Slytherinphobia is as well-documented as it is inexplicable. Pottermore cannot be trusted.

If you don’t know your Myers-Briggs personality, you can find it out pretty easily. The internet is clogged with free tests of varying length and quality. I like this one, personally. It’s thorough but nowhere near as long as others.

In general, Myers Briggs judges personalities in four metrics: introvert (I) vs extrovert (E), sensing (S) vs intuition (N), thinking (T) vs feeling (F), and judging (J) vs perceiving (P).

If you don’t want to take a quiz, you may be able to guess what you are. Introverts feel recharged when alone, and extroverts feel at-home among others. Sensors like to take people at their word, while intuits tend to look for meaning between the lines. Thinkers are rational and logical, while feelers are empathetic and expressive. Judgers (not to be confused with the judgmental) prefer plans and orderliness over the perceiver’s more casual, open-ended approach.

Read More

There is no such thing as a bacon emergency.

On Emergency Fund Remorse… and Bacon

It was an expensive day in my household.

The kitchen sink had been backed up for more than a week. I’d disassembled and reassembled it twice and couldn’t fix the problem myself, so I knew it was time to call in the professionals. Clearly the damn thing needed to be snaked, and I had neither the tools nor the know-how to handle that myself. So I called a plumber.

On top of that, my dog was experiencing… butt problems. Of the totally non-life-threatening but definitely requiring-immediate-medical-care variety. (He had an anal gland abscess, ok? It was both gross and fascinating and it completely reaffirmed my conviction that dogs are strange and magical creatures.) I have no medical training, and I would move heaven and earth for this goddamn mutt, so I called the vet.

And thus began my winter of discontent.

Read More

This is the "caulk the wagon and float it" method for getting a promotion.

Santa Isn’t Coming and Neither Is Your Promotion

Some people are told there is no Santa Claus. Their dick cousin tells them, as vengeance for a lost game of Monopoly Junior. Or they saw Gremlins.

Others figure it out on their own. I was one of these. It took me eight years of cognitive development to get there. The physical impossibility and the logistical improbability pressed at my young mind, but the biggest question I had was one of motivation.

At eight years old, I had recently begun to understand money. I’d come to understand that one Breyer Horse was equal to approximately one thousand years of untouched allowance. I’d also begun my education in the concept of Stranger Danger. I had a newly honed ability to scrutinize adults for their intentions.

And I found myself wondering, “If this old man has such limitless wealth and power, what is his angle in using it to buy presents for children he’ll never meet?”

So I asked my parents, and they confirmed. “Yeah, that’s a thing adults made up to incentivize kids to conform to behavioral expectations,” they said, in so many words.

The thing is, Santa Claus is not an isolated incident. False or greatly exaggerated incentives exist everywhere to compel you to behave yourself. I’d like to talk about one of those false incentives today. The merit-based promotion is a comforting myth that took me thirty years to unravel. Much like with Santa, it was a rude awakening, but I’m much happier knowing the truth.

Read More

Those motherfuckers always pay their debts.

3 Badass, Sexy, Totally Metal Reasons to Save $1,000

Here at Bitches Get Riches we soundly reject the notion that personal finance is a dry, boring, unsexy topic. In fact, nothing gets us metaphorically harder than a solid breakdown of modest, cautious techniques for growing personal wealth. Day drinking? More like day trading, AMIRITE?

And this is why we’ve set about to change some preconceived notions about all the wild and wondrous things you can do with a large chunk of money—let’s say $1,000 for the purposes of this article. Not quite enough to drastically change the life of the average person, but definitely enough to have some fun.

With $1k you could go to Cuba for a few days (seriously y’all, flights are dirt cheap right now). You could revamp your wardrobe! You could buy a brand new PS4 and a flat screen TV on which to play it! You and your dog could have a spa day!*

But we’re here to urge you to take a different approach. Don’t waste that $1k on basic bitchiness like a new wardrobe, a trip abroad, or canine mani pedis. At least not before you’ve cut your teeth on these badass, sexiful, metal af ways to really make $1k worth saving for.

Read More