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Our most essential human freedom is the right to control our own bodies and have our decisions regarding them respected.

Three Legal Documents You Need NOW (and Can Get Cheaply Online)

A while back, a mutual friend of the Bitches unexpectedly found herself in the ICU. She was very young, very healthy, and due to be wed to her deeply devoted partner within weeks. She was unconscious and totally incapacitated, and needed someone to make healthcare decisions on her behalf.

The funny thing about engagements is that they aren’t legally binding. So even though her fiancé absolutely knew her wishes better than anyone, all medical decisions reverted to her mother. I should say: the alcoholic, emotionally abusive mother she’d moved thousands of miles to escape from.

Maybe you’re one of those lucky people with a spouse, or living parents, who understand and agree with your decisions 100% of the time. But maybe you’re like our friend above, and your default healthcare advocate is dangerous, untrustworthy, or completely out-of-touch with your wishes and values. Failing to plan for unforeseeable medical emergencies can put your body and your life into the hands of someone who you don’t trust. And that is a very, very scary situation. Read More

Graduating in a recession leads to earnings losses of nine percent. But there are some things you can do to get yourself back up to the level you deserve.

A Millennial’s Guide to Growing Your Salary

I don’t attach the word “millennial” to topics willy-nilly. A lot of our advice is aimed at everyone living in these strange times! But this advice is tailored specifically to those who came to adulthood immediately before or after the 2008 recession.

Graduating in a recession leads to earnings losses of about 9% compared to those who graduate in balmier financial climates. The pay gap takes a full decade to become statistically insignificant. For the average worker, that amounts to five grand in a single year. The lost opportunities to invest some of that income—as well as the recession-graduate’s stymied options for other jobs—creates a staggering wealth gap.

Worst of all, it’s completely fucking unfair, because we were kids when this hot mess was cooked up, yet we’re still the ones who have to eat it. We have every right to be salty about that.

There are some things you can do to get yourself back up to the level you deserve. Here’s what we suggest.

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When you say your number aloud, you'll know it's the right number if a part of you is scared that they will laugh in your face.

Salary Range: Are You Asking for Enough?

“Oh god, oh god, the hiring manager just asked me about my salary range” is a text I’ve gotten a dozen times from friends and coworkers over the years. For a young professional, it’s usually the most fraught moment in the entire hiring process. And for good reason! Your answer to this question has enormous financial consequences. The right answer can catapult you forward—and the wrong one can set you back years.

How do you know that the number you’re asking for is the right number? Here are some tips that will help you make sure you’re not selling yourself short.

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You don't want to find yourself financially preparing for your own retirement years only to find without warning that you suddenly have two aging dependents to account for in your annual budget.

You Need to Talk to Your Parents About Their Retirement Plan

I don’t give a flying nun about inheriting money when my parents eventually buy the farm. As far as I’m concerned, it’s their hard-earned dough and they should use every goddamn penny of it to enjoy their retirement and live comfortably until the day they die. In fact, I truly hope they do!

But one of the greatest gifts they can give me instead is the knowledge that their retirement and passing won’t be a financial burden on me. Knowing that my parents have a solid retirement plan will grant me enormous peace of mind. It will allow me to focus on growing my own wealth so that when I get to the age where I’m allowed to be embarrassingly blunt in public, I won’t be dragging down the finances of my younger relatives.

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Gently-used pre-owned shit is often just as good as band-spanking-new shit.

Almost Everything Can Be Purchased Secondhand

Shit’s expensive. If you need to buy shit, you should try to make it less expensive. Spend less on the shit you need to buy, and you’ll have more money to spend on your other financial goals. A great way to do this is by buying your shit secondhand.

Gently used, pre-owned shit is often just as good as brand-spanking-new shit, and can always be purchased less expensively than new shit. It can even be free! To really drive this point home, I’m going to start with a by-no-means comprehensive list of shit you can (and should!) get secondhand.

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At the very least, work with a buddy. So you can die together.

When Should You Release Your Death Grip on Your Precious Money and Hire a Professional?

(Please queue up Kenny Rogers’s timelessly wise “The Gambler” while reading this post.)

We ladies at Bitches Get Riches are enthusiastic do-it-yourselfers—mostly by way of being stingy harpies with desk jobs that leave us thirsting to interact with something other than glowing ones and zeros. But sometimes, you need a pro more than you need the money you’ll save by doing it yourself.

Here’s a handy guide that should help you spot the difference.

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Here's what you should be doing every year.

Take Advantage of No-Copay Medical Care

If you are an American who is lucky enough to have health insurance, you almost certainly have several annual and semi-annual services available to you with no copay—and you have absolutely no reason not to use them. Technically, you have already bought them, as their cost is built into the premiums you’ve already paid; and your body will thank you for it! Even if you feel perfectly healthy, establishing a baseline of health will help your medical professionals detect problems early.

Here’s what you should be doing every year.

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We strolled around for hours, having a great time at one of the city's best tourist destinations without spending a dime.

Your School or Workplace Benefits Might Include Cool Free Stuff

If you work for a large company, or a well-connected small one, you should investigate if part of your benefits package includes any unexpectedly awesome free shit.

Many companies act as corporate sponsors of local theaters, symphonies, museums, zoos, sporting teams, and other cultural institutions, and their patronage can translate to free or discounted tickets for you.

This is also the case for many colleges and universities. Whether you’re a grad or undergrad, the right student ID can equal discounted membership, classes, and admission to any institution your school partners with. I regret not taking advantage of my college’s generous museum consortium membership more often when I was a student. (To be fair to myself, I had just discovered alcohol. So. Mm-hmm!)

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Nobody does what you do. So if they want it, make them crawl for it.

Should Artists Ever Work for Free?

I’m an artist. I am well paid to do my job. And I am way, way rarer than I should be.

There are a lot of historicaleconomictechnological, and cultural factors that keep the perceived value of art lower than that of professions that require comparable education and practice. Unfortunately, there ain’t shit you can do about historical, economic, technological, and cultural factors. But you can refuse to contribute, on an individual level, to the devaluation of your chosen industry.

The easiest way to do that is to refuse to work for free. Here’s why. Read More

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