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Theres a silver lining to this shit cloud.

How to Pay Hospital Bills When You’re Flat Broke

It’s a fucking travesty that the leading cause of bankruptcy in these United States is medical bills. Not credit card bills nor risky investments. Not even student loans, but hospital bills. Invoices racked up through freak accidents and diseases the patient certainly didn’t ask for and would probably prefer to live without.

To our readers in other, more civilized countries, you’re dismissed. This week we’re going to be dissecting a uniquely American problem: exorbitant medical bills and how to pay them.

The CEO of GoFundMe, an online crowd-funding platform, never dreamed that his company would become synonymous with “I’m broke and need $300,000 to pay for my child’s cancer treatment.” What he envisioned as a way for entrepreneurs and artists to raise money for their passion projects has become the last desperate hope of sick and injured Americans on the verge of total financial ruin.

It blows, dear readers. It fucking blows.

Which is why we need to get creative with some of the lesser-known and best ways to pay for medical bills. Sure, it might be cheaper in the long run to move to Canada, Sweden, or Namibia. But if you bleed American blood on American soil, here’s what you do.

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Money is to relationship as icebergs are to feats of engineering hubris.

How Dafuq Do Couples Share Their Money?

As we’ve discussed previously, the Olde Method for merging finances was simple and straightforward:

The Man and Womyn shall meet when they are idiot teenagers. They shall marrie when they are both seventeen years old, after two weeks of casual dates at the soda shoppe. The couple shall thereafter commence cohabitation. The Man shall seek salaried employment, and shield the Womyn’s eyes from their mutual finances, excepting the allowance to keep herself in straight pins, and the house in mutton, and the sheepe in the oat corne, and the rye corne, and the barley. And i ‘t be true the Husband gambles her dowry hence, the Wyfe might not but wend to Reno and return to her father’s home in shame and disgrace. Oye, oye, oye, forever and ever, Amen.

Mmhmm, yep, that’s just how it went!

Because labor outside the home was classically a masculine burden (at least in the last few centuries and at least for middle- to upper-class folks), salaries and investments were largely the purview of men. Women, conversely, were usually tasked with domestic labor and household budgets.

The history of gendered expectations around money is long and bonkers. It was only in the 1960s that women gained the legal right to open a savings account of their own. Until the mid-1970s, banks refused to issue lines of credit to women without their husbands’ permission—and not at all to unmarried women. This is a great example of a situation where the patriarchy makes life unpleasant for all genders of people: women are treated like idiot children, men are treated like the long-suffering babysitters of their life partners. And it was all within living memory for our parents! Jeeeeezuz.

Point being, it hasn’t been a long time at all since couples were legally forced to merge most aspects of their individual finances. (We also invented gay marriage since then. You’re welcome.)

That means that couples today are almost certainly managing their finances radically differently than their parents and grandparents. We have a very shallow bench of examples to pull from! And we’ve made up individualized systems as we go, aided by technology.

Here are the successful ways I’ve seen couples divide, partition, and share their finances. Read More

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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There is a way to build up good, healthy credit while neither increasing your debt nor your risk.

How to Build Good Credit Without Going Into Debt

As we’ve discussed, adult human beings need credit—good credit—to do lots of important adult things such as renting apartments and buying cars. But having debt, whether it be in the form of a balance on a credit card or just Ye Olde Stvdint Loane, can be fucking terrifying.

Fear not, gentle readers. For there is a way to build up good, healthy credit while neither increasing your debt nor your risk.

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