It's not about paying people a dollar amount commiserate with the difficulty of their job tasks.

Raising the Minimum Wage Would Make Our Lives Better

Hello and welcome back to liberal propaganda rag Bitches Get Riches, where we strive to contradict aging Republican lawmakers at every turn!

Today’s topic is curated especially to bring various political dog whistles spewing from the mouth of Your Dad! Things like “job creators” and “small businesses are the backbone of our country.”

Yes of course: it’s time we talked about raising the minimum wage.

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Sometimes I'm fucking appalled by what I see.

Something Is Wrong in Personal Finance. Here’s How to Fix It.

We recently wrote an article about how raising awareness isn’t enough. Our thesis was that you need to pair awareness with some kind of action. Well, good thing we practice what we preach!

Last time we talked about some of the many ways being white brings unearned financial privileges. We got a ton of great responses from readers—many of them white—who are happy that the talk is being talked within the personal finance community.

Now let’s tell you how we think you can walk the walk. Here are our suggestions to make the personal finance community more realistic, more inclusive, more ambitious, and all-around better.

Let’s get to work.

Let's get to work.

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Today I'd like to talk about one of the things this community really, really doesn't like to talk about: the financial advances of being white.

The Financial Advantages of Being White

We were recently nominated for some industry awards! This was absolutely shocking. I have no idea who nominated us or how or why, but it instantly gave me two very strong, very different reactions.

The first was a  variation on Sally Field’s Places in the Heart acceptance speech. “I haven’t had an orthodox career, and I’ve wanted more than anything to have your respect. The first time I didn’t feel it, but this time I feel it, and I can’t deny the fact that you like me, right now, you like me!” Borrowing, of course, the original speech’s explosively manic and self-congratulatory tone. We feel tremendously hashtag blessed to have found so many warm and welcoming people in our short stay in the personal finance community. And we are truly grateful to all of our readers.

My second reaction was, “Shit. We’ve been pulling our punches!”

See, one of the reasons Piggy and I decided to start this blog was that too much financial advice ignored the hard questions and contentious issues that drive personal finance. Take, for example, this question: why do some people have more money than others? 

See, one of the reasons Piggy and I decided to start this blog was that too much financial advice ignored the hard questions and contentious issues that drive personal finance. Take, for example, this question: why do some people have more money than others?

There are so, so many potential answers to this question. People are different! They have different personalities, abilities, interests, advantages, backgrounds, opportunities, drives, beliefs, and knowledge sets that combine into a set of financial circumstances unique to each individual. The personal finance community seems inclined toward examining only a few of these differences—the ones that are easy to talk about, the ones that cast a flattering light upon ourselves.

Today I’d like to torpedo all hope of winning industry awards by talking about one of the things that this community really, really doesn’t like to talk about. That subject is race, and by extension, the financial advantages of being white in a white supremacist culture.

Today I’d like to torpedo all hope of winning industry awards by talking about one of the things that this community really, really doesn’t like to talk about. That subject is race, and the financial advantages of being white in a white supremacist culture.

Friends, I’d like you to extend me a little trust. Take my hand and follow me on a journey. I’m going to try to inventory some of the gifts given to me by a white supremacist culture. I didn’t ask for these gifts—there was no registry, and I will not be sending thank-you notes. But they also didn’t come with a return address, and there’s no way to refuse them. The body I was born with—that of a white woman—comes with undeniable financial advantages. And the legacy of these advantages is terrible  to consider.

Let’s consider it anyway!

You ready?

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Let's break the Equifax situation down into tiny morsels of suckitude that can be easily digested.

Dashit Just Happened, Equifax?

Because the horrendous disaster of two malicious hurricanes isn’t enough for people to worry about right now, a few weeks ago a storm of a different sort swept through the United States. Like those assholes Harvey and Irma, this one’s going to be an enormous, life-changing financial burden for millions of people. And like the hurricanes, it could take years to repair the damage.

Yes: it’s time we talked about the Equifax breach.

If you follow us on Tumblr, you’ll know we’ve been getting some panicked messages about Equifax recently. So to dispel panic (or encourage it, as the case may be), I want to break the situation down into tiny morsels of suckitude that can be easily digested. (more…)

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You shut the hell up and learn about cognitive behavioral science while looking at my collection of chocolate cake gifs!

Making Decisions Under Stress: The Siren Song of Chocolate Cake

I’m a slut for studies.

I love random, weird studies that reveal surprising and bizarre correlations. And I’d like to take you through one of my favorites today. It’s called “Heart and Mind in Conflict: the Interplay of Affect and Cognition in Consumer Decision Making” and it’s about the ways that stress affects our ability to make good choices.

Oh, and more importantly: it stars a fat slab of chocolate cake.

AWWWW YEAH

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We promise to continue our mission.

It Takes a Village: Become a Patron of the Bitches

Piggy and I launched this blog in January of this year. The level of positive engagement we’ve received in only eight months is completely shocking to us.

We’ve received a number of site comments, social media shares, and private messages with folks thanking us. According to these beautiful people, our little blog has pushed them to ask for raises, encouraged them to seek new jobs, inspired them to refocus their finances, and absolved them of unnecessary self-flagellation.

And guys, that makes us feel really, really, really, really fucking good.

As we’ve stated before, the reason we run this site is to help. Bad, outdated, irrelevant, damaging financial advice is everywhere. Seeing it—and knowing that many people must fall for it—makes our actual hearts turn into cartoon hearts that break along perfectly triangular jagged edges. Knowing there are good people out there getting tricked, swindled, guilted, ripped-off, shamed, and drained makes cartoon steam come out of our ears. (The cartoon steam gives us actual second-degree burns. Please send Neosporin.)

For this reason, we’ve never had a plan to monetize the site. The easiest ways to do so just didn’t sit right with us. Sponsored content disguised as our own words… product reviews and advertisements for stuff you likely do not need… irritatingly pervasive pop-ups and click-to-exit ads. We get offers to do this stuff in our inbox every single day. And we reject them all because they go against our core mission.

But now we’ve run into a problem.

We’ve gotten too popular for our own good.

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But what about investment jewelry?

You Deserve Cheap, Fake Jewelry, Just Like Coco Chanel

Coco Chanel, 1930s fashion icon (and alleged Nazi sympathizer, let’s not play), had many wise things to say about beauty. Like, “Before you leave the house, look in the mirror and take one thing off,” which is both tasteful and minimalist.

Most importantly though, she said: “Costume jewelry is not made to give women an aura of wealth, but to make them beautiful.”

Costume jewelry is cheap and fake, made to look like real precious gems and metals. So she’s making a statement about the purpose of jewelry. But she’s also saying that you don’t have to be wealthy to be stylish and attractive. In other words: your monetary worth does not determine your worth as a person.

Your monetary worth does not determine your worth as a person.

Chanel went on to say, “It’s disgusting to walk around with millions of dollars around the neck because one happens to be rich. I only like fake jewelry… because it’s provocative.” Now this is the kind of opinionated anti-bullshittery I can get behind. And I’ve kept it in mind with all my jewelry purchases.

This timeless genius of style believed there was no shame in wearing fake jewelry because economic circumstance should not determine beauty. And also because the Nazis stole every precious gem in Paris. But I digress.

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This is exactly the kind of mindless consumption that could send our species into extinction.

Five Reasons to Love the Tiny House Movement

At times, our series on tiny houses ventured toward… scathing. Which isn’t even original, as evidenced by articles like this, this, this, thisthis, this, this, thisthis, this, this, this, and this. Jeez. Maybe this counts as punching down?

So as promised, we will conclude our series by refocusing our discussion on what’s great about the tiny house movement. As the movement begins its slow fade into obscurity, these are the five points I pray leave a lasting impact on our culture.

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Pets enter our lives not as idle playthings, but mirrors held up to ourselves.

So I Got Chickens, Part 2: Tragedies and Lessons Learned

I believe that in life, we meet the people we need to meet. Every person—whether you like them or not, know them intimately or only a little—has something to teach you. Sometimes the lesson is about yourself and sometimes it’s about how the world works. This perspective makes dealing with even difficult, trifling people edifying, productive experiences.

I think that pets are very much the same. They enter our lives not as idle playthings, but mirrors to show us our true selves. Sometimes those mirrors are harsh—like, dressing-room-at-a-foreclosed-T.J.-Maxx harsh. Every animal has something vital to teach us, should we choose to learn it.

I thought about this as I buried Edie, one of the six chicks I brought home three months ago.

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And that's when I strangled him, your honor.

The Subjectivity of Wealth, Or: Don’t Tell Me What’s Expensive

Wealth is entirely subjective. Depending on where you’re sitting on the great Staircase of Financial Solvency, your perspective of who’s wealthy and what’s expensive is going to vary wildly.

Because of this disparity, the definition of “expensive” truly depends on an individual’s personal money situation. Someone who makes $300K a year and can easily afford their rent and insurance isn’t going to think twice about buying cage free eggs, organic milk, and grass-fed beef. Meanwhile, their neighbor who makes $30K a year is going to be buying the practically expired store brand milk on sale. To them, the whole concept of buying organic, cruelty-free food seems absurdly out of reach even while their wealthier neighbor finds it “inexpensive.”

Which is why it’s about as irritating as a Spotify Premium commercial to hear people speak authoritatively about what’s expensive and what’s not. Especially when their version of “expensive” is a diamond encrusted dog manicure and yours is a Whole Foods grapefruit.

Lemme ‘splain.

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