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Podcast Episode 003: "My parents have bad credit. Should I help by co-signing their mortgage?"

Episode 003: “My Parents Have Bad Credit. Should I Help by Co-signing Their Mortgage?”



When life stresses me out beyond belief, I find nothing more soothing or rejuvenating than reading about petty dramas I’m not personally involved in.

Neighbors feuding in all caps on Next Door; running blogs dragging the shit out of marathon cheaters; Facebook mommy groups erupting into explosive schisms over international geopolitics. Ahhhh… reading them is like slipping into a warm bath. So juicy! So low-stakes! With so much to fret about in my life, it’s nice to pause and contemplate the completely optional frettings of random other people I will likely never meet.

Which is why I love Reddit! And I’ll occasionally pull random questions that feed the drama-devouring beast within me interest me! Today’s question was found on r/personalfinance, a board where I lurk on the reg for obvious reasons…

Today’s question

“I currently live with my parents (22) and they want to sell our house and move into another. My dad can’t be on [the mortgage] because his credit is low so it would be my mom as the primary and me as cosigner. I am wondering if this is a good idea because I’m pretty nervous about this. I don’t want to ruin my credit or be stuck on a 30-year loan. If I move out can they take me off the mortgage? Thanks for any help.”

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Common Job Interview Questions and How to Answer Them with the Confidence of a Mediocre White Dude

Ah, the ubiquitous job interview. A necessary if painful step toward acquiring a job—any job! Just as nobody actually loves Rod Stewart as a musician or liver and onions as an entrée, nobody actually loves interviewing for jobs. Literally nobody.

And yet being good at job interviews is an invaluable skill. Especially if you’d like to become employed at some point in your life. And barring any hyper-intelligent dolphins or useless heirs to a corporate empire reading this article, that’s all of you.

We’ve already talked about what to do when you get asked about your salary during a job interview (a question that is as unethical as it is manipulative). But how about some of those other common, annoying interview questions? The ones you can count on getting, and that you dread like a combination root canal and pap smear?

I scoured the Internet for literally dozens of minutes to find brilliant answers to some of those awful job interview questions. And what I found filled me with hope!

I’m going to break down some of the most annoying and tricky job interview questions and how to answer them with at least the confidence and poise of the mediocre white man more likely to be hired than you.

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Episode 002: “How Should I Behave on My First Day at Work?”



Wow, thanks to all the folks who left a nice review on our very first episode! Please continue to ignore our amateur hour aspects. Squint hard and see only the good!

The second episode of our podcast returns to the realm of the workplace, where we give A++, very sound and rational career advice to a listener.

Today’s question

“Hey Bitches! I hope you can help me on time. I recently accepted a job offer after 6+ months of being unemployed!! I start this Monday and I want to know: what are the most important things you should do on your first day at work?

I’m a fresh grad so all this is new. I keep finding lists with like 15 things, and that’s way too much to keep track so I need help! Also one bit of advice I saw often was that I should ‘check in’ throughout the day with my manager/boss: how exactly do I do this?”

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Are Unions Good or Bad?

Our awesome Patreon donors have spoken! This week, they would like for us to answer this question…

What’s the deal with unions? Because I’ve heard they’re amazing, corrupt, empowering, exploitative, equalizing, and expensive. What’s the truth?

Let me answer this question the way I answer most things: by starting with a tangent on a totally unrelated topic, until it suddenly isn’t! (It’s kinda My Thing.)

It’s toasted

Do you know when cigarette smoking among Americans peaked? It was in 1963.

How about when we first got pretty solid evidence that smoking caused lung cancer? It was thirteen years earlier, in 1950.

Thirteen years is a long dang time! If people knew it was a health risk, why did so many not only continue to smoke, but begin smoking who hadn’t before?

The main culprit is the tobacco industry’s social engineering. Which is to say: their deliberate, coordinated campaign of disinformation.

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Podcast Episode 001: "Should I tell my boss I'm looking for another job?"

Episode 001: “Should I Tell My Boss I’m Looking for Another Job?”



That’s right. We’ve already teased this information, but it’s true.

Piggy and I stared deeply into each other’s eyes, communicated our love and dedication from a realm beyond words, pulled the condom off, and decided to make a podcast baby together. Here’s hoping it inherits her lustrous hair and my mighty wrists, which can open any jar!

Listen above—or look for Bitches Get Riches in the podcast app of your choice!

Today’s Question

When, if ever, is it good/OK to tell people you’re job hunting in your current place of employment? For example, is it ever a good/OK idea to: tell a friendly coworker, either just for moral support, or to ask them to keep an eye out for opportunities, or help you brainstorm your strengths so you can position yourself well for what’s next?

What about with a superior at your current job? Is there a useful way to bring this up in the form of negotiation to get something you want at your current job? Or does it just put you at risk to let them know you’re looking elsewhere? I have been told that in the world of academia, it’s typical to tell your institution that you’ve been invited to interview elsewhere in order to renegotiate your position. But it’s hard for me to picture doing this in working environments I’ve been in.

Special shoutout to Patreon donor V.B. for this question. And props in general to all of our Patreon donors, who gave us so much valuable feedback on our pilot episode.

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Why I Feel Filthy Fucking Rich

I recently went adventuring with some friends. As we were sitting in a hot spring at the end of a long day spent rock climbing in a national park (because we’re like biscotti: glamorous and crunchy), we started talking about money. My favorite topic!

None of these particular friends know about this blog. They don’t know I research money stuff and answer questions about personal finance for fun. So, in the tradition of thirsty voyeurs everywhere, I sat back to listen as my friends talked about negotiating higher salaries and faking it till you make it and—wait, hiring a maid? Ok, so there were clearly some differences in perspective. We’ll come back to that.

One of my friends proudly revealed that she is now making $130k a year at her new job. Babies, I am thrilled for her. She works super damn hard and she’s gifted and brilliant. But what happened next gave me pause.

“Your husband’s an art director, right? So he must be making pretty good money too by now,” I asked.

“Oh no. He only makes $70k a year. And he has student loans,” she answered, sincerely.

That response really took me back for a moment. Because fam… she was describing me exactly. I also make about $70k a year (at two whole jobs). And I also started my career with student loans. Yet I don’t feel like what I have is an “only.”

As a matter of fact, I feel filthy fucking rich.

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Masterpost 03: Everything You Need to Know about Self-Care

{ MASTERPOST } Everything You Need to Know about Self-Care

Self-care! It’s not just for rich white ladies with 100,000 Instagram followers!

Self-care is for you.

Yes you. As hard as it may be to believe when you’re at your worst and feeling low, you deserve a little care and maintenance now and again.

And we want you to have it. So here it is, children: the complete works of the Bitches on self-care, personal betterment, and making your life happier, healthier, and wealthier.

You’ve earned it.

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How bad of an idea is it to take out a student loan to get me out of my situation?

Ask the Bitches: I Want to Move Out, but I Can’t Afford It. How Bad Would It Be to Take out Student Loans to Cover It?

We have a question today from a Tumblr follower. If you don’t follow us on Tumblr, you should! Piggy is one of the Tumblr Deep Ones. She’s been on the platform since its infancy, and she answers tons of reader questions.

Like this one!

I need to move out, but I don’t have any money actually saved up. I do have a job that can cover my monthly costs and still have some left over. So I was wondering just how bad of an idea it is to take out a student loan to get me out of my situation and then immediately work on paying it off.

Ah. A very relatable dilemma.

For most people (and families), housing is the largest item in their budget. Young people spend, on average, a quarter of their income on housing—more than any other age group. Which means that saving money on housing can have an enormous positive impact on your finances. Especially when you’re young.

But is it ever a good idea to strategically spend a lot more than you have to on housing? Spoiler alert: yes, it absolutely can be.

Let’s get into it!

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