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

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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Salary Range: Are You Asking for Enough?

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

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

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

The funny thing about engagements is that they aren’t legally binding. So even though their fiancé absolutely knew their wishes better than anyone, all medical decisions reverted to their mother. I should say: the alcoholic, emotionally abusive mother they’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.

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A Millennial's Guide to Growing Your Salary

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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Two-Ring Circus

Two-ring Circus

This is the wedding ring that I wanted.

Dinosaur/Antler/Meteorite Ring.

Hand-crafted by a bearded artisan, it’s made from dinosaur fossils and deer antlers and meteorites. Is there anything cooler?

A lot of people like diamonds because they represent eternity, but this strange mishmash of textures represented it much more clearly to me. The bones of things long dead. The pieces of ourselves that die and renew each year. Starstuff from dark, unknown, unknowable places our species will die without ever setting eyes upon.

AMAZON PRIME HEYO!

This is the wedding ring that I got.

It was available on Amazon Prime for $25.

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Buying the $7 Chocolate Bar

Buying the $7 Chocolate Bar

Last time I found myself in a high-end grocery store, I remember looking at the prices of everything and thinking “who the hell would buy a $7 chocolate bar?” Yesterday, I got my answer. And it was a pretty surprising one! It opened my eyes to a truth I’ve struggled for years to acknowledge.

I have a friend who is struggling with homelessness right now. She was in my house, staying for a spell while she looked for a permanent place to live. I watched her unpack her few belongings.

And there it was. Inside her purse was a large, rather expensive, luxury-brand $7 chocolate bar. She held it up and twiddled it back and forth in her hands, letting the silver foil catch the light.

“Sweetie, I’m homeless,” she said, very matter-of-fact. “You’d better believe I’m getting the good stuff.”

And boy was she making a great point.

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