Short-Term Disability Insurance is a Waste of Money... With Two Very Specific Exceptions

Short-Term Disability Insurance Is a Waste of Money… With Two Very Specific Exceptions

In honor of Disability Pride Month, we’re coming to you with our hot and sweaty take on short-term disability insurance. We’re going to explain what it is, how it works, and why you probably don’t need it… unless, of course, you’re in two very specific situations. Ooooh, look at me go, building that mystery!

No disability-related topic can ever be simple. But we’ll do our best to make the pros and cons of short-term disability insurance super clear! And since we’re generally not enthusiastic about it, we’ll explain some of your (many) other, better options.

Fun fact: the insurance industry abbreviates short-term disability insurance as “STD.” Unlike my biblical ancestress, I swear to resist the temptation of a low-hanging fruit.

Abbreviating "short-term disability insurance" as "STD" is like a carrot with a giant box held up with a stick and a string for me, specifically.
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Why There’s So Little (Good) Personal Finance for Disabled People

Jess and I are both itching to write more about personal finance for disabled people.

We’re also both itching because we have autoimmune disorders.

Guys, we’re here! We’re queer! We have two X chromosomes with faulty molecular coatings!

Okay, but seriously… we’ve both been sitting on some big ol’ honkin’ article ideas about how disabilities can impact money, jobs, and life in general. Frankly, our readers have begged us for this content. The subject of disability finance has intimidated us like no other. But with the gentle urging of our awesome Patreon donors, we’re going to dive in and do our best.

July is Disability Pride Month, commemorating the anniversary of the passage of the Americans With Disabilities Act on July 26, 1990. We’re celebrating with the release of a whole month of articles on this theme.

Did we plan this in advance? Certainly not! What do we look like—professional bloggers with a content schedule?! We had a random one-in-twelve chance to get this right, and by god, we did it. May our luck hold as we try to tackle the complexities of this subject.

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The Dollar Bill Game: What You’d Do if Money Were No Object Says a Lot About You

“If money were no object, what would you do with your life?”

Did people ask you this hypothetical question a lot? Especially around high school and college graduation? I did. And it was frustrating as hell, because I was so overwhelmed by my choices that I had no idea how to answer.

This question requires you to have a deep knowledge of yourself and your place in the world—deeper than many young people will have adequate experiences to inform.

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Bob Iger Would NEVER Bring a Water Dish for Skippy: The Classist Myth of Unskilled Labor

I told my co-blogger that my next article would be titled “Bob Iger Would NEVER Bring a Water Dish for Skippy.” She packed her belongings into a handkerchief tied to a stick. I think that means she’s excited!

Okay, okay, a little context…

There’s a new video setting YouTube ablaze. It presents a clear and fascinating rebuttal to the classist myth of “the low-skill worker.”

  • The storyteller is YouTuber Jenny Nicholson.
  • The setting of her deep-dive is the recently defunct Star Wars hotel.
  • The villains are insanely wealthy people trying to make themselves even wealthier by guessing what the unwashed masses want… and getting it totally wrong because they’re inept, greedy, and out of touch.
  • The heroes are the unpaid interns and minimum-wage workers whose dedication, creativity, and work ethic create the magic their bosses unsuccessfully wasted millions of dollars chasing.

Y’all, this video FIRED ME UP. I’m neither a Star Wars fan nor a Disney adult, but it doesn’t matter. The video is well worth watching. I’m only going to speak to a very small slice of it, which I’ll summarize for folks who don’t have the time or interest to watch it all.

In this age of unprecedented wealth inequality, it’s singularly important for workers everywhere to understand how their labor is being exploited. The story is juicy and entertaining—but we also think it’s a great opportunity for readers to develop the skill of recognizing labor exploitation. Because if you don’t know you’re exploited, you can’t take steps to stop it.

So sit back and let me explain the significance of bringing a water dish for Skippy—and why Bob Iger would never think to do it.

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How to Manage Your Burnout When the World Is on Fire (Bonus Episode)

Hiya, Bitch Nation. Ducky here!

Kitty and Piggy are the best bosses I’ve ever had (and not just because I’m legally required to refer to said bosses as “the Bitches” in casual conversation). They are unquestionably brilliant, unfairly funny, and unbelievably supportive.

Both Kitty and Piggy have been through their share of burnout. And while I’ve been dealing with it due to the stress of one of my other jobs, they have been consistently by my metaphorical side, gleefully eating metaphorical popcorn, and providing invaluable, actionable advice.

There is no one better to have on your team when you’re considering questions like, “Am I experiencing burnout?” or “How much stress and toxicity in the workplace is too much?” or “If I follow Kitty’s advice and actually drop the line ‘It sounds like I’m not meeting your expectations as an employee—should we go ahead and set my last day?’ will I get fired on the spot?” (Spoiler alert: we were severely understaffed, so no!)

All of which is to say that after many years of putting their brilliance on the internet for free, the Bitches are offering their first ever course on the topic of burnout! It was, to quote Piggy, a labor of love… but a labor nonetheless. And to quote Kitty as her body broke down into its component parts upon completion of this project, “Oh god my spleen!” (probably).

In today’s special bonus episode of the BGR podcast, the Bitches walk you through a sneak peek of their new course. Listen here and on your favorite streaming platform, or scroll down for a transcript of the episode.

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The Bitches Get Riches Brand Promise: Social Media, Plagiarism, and AI in an Age of Exploitation

“You know how we joke about our ‘brand promise’?” I say to Jess in our weekly meeting.

“You mean our guaranteed minimum of dick jokes? Naturally! Why?”

“I’m thinking of finally writing a real one.”

“Oh, like a sentence or two in the sidebar?”

I make a face. My coblogger regards me with the abrupt suspicion of a dog owner whose faithful friend is chewing on an item of unknown provenance. “How long is it?”

“Kinda long…” I concede, a bad dog chewing faster.

She sighs. “I look forward to reading it.” This is what she says when she’s resigned to receiving an eleventy-thousand-word shitstorm that defies editing for clarity and brevity, delivered the morning we’re supposed to publish. And like X, I’m gon’ to give it to her.

Lately my brain has been leaking big, scary thoughts about the nature of the work we do here. Conversations about AI, plagiarism, social media, and the value of creative labor swirl through my head. I try keeping these thoughts where they belong: in the shower. But sometimes they escape and bully their way to my word processor.

Today, I want to spell out the real Bitches Get Riches promise. To make specific promises, and to explain why they’re so important. Because I want you to know me—and because I want you to know what you can (and cannot) expect from “content creators” in this time so fraught with artifice and greed.

It’s a little different from our usual. Indulge me, and I’ll strive to reward you for your patience.

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Credit Scoring Is a Racist, Classist System that Has Us All Trapped

Imagine a ranking system that assigns everyone a number. You don’t opt into this program; you’re automatically enrolled. And there’s no way to opt out. You’re involved whether you like it or not.

You also don’t have any say over the judges, those determining and adjusting your score as you go through life. These judges actually make money off of scoring you.

The worst part is that your opportunities in life—renting an apartment, getting a loan, qualifying for insurance, landing a job—are dependent on your ranking.

Imagine no more, dear readers! For I just described the United States’ system of credit scoring. Supposedly, credit scores are a neutral, unbiased metric for determining a borrower’s risk in the lending market. In reality, they function as a racist, classist trap from which there’s little escape.

Them’s some heavy claims! Don’t worry though: I brought receipts. And lots of them end in .gov so you know they’re legit!

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Punch Burnout Right in Its Stupid Face With Our New Burnout Workshop

In recent years your humble Bitches have been hired to give a few live, in-person speeches and workshops. We always ask the organizers to set a topic (since as you know, we can talk for hours on everything from our chickens to how everyone in the world can be categorized as either a Deputy Marshal Samuel Gerard or a Dr. Richard Kimble from the 1993 classic The Fugitive). And we give our spin on whatever they suggest.

Then something interesting happened. During our closing Q&A sessions, no matter what the topic of our presentation was, the conversation with our audience would turn towards the same issue.

That issue was burnout.

Our call to action

Now, we already knew that burnout is a widespread issue. After all, we live on this planet. We’ve delved into the topic quite a bit over the years.

But seeing the pain in people’s eyes and hearing the desperation in their voices was a whole new level of fuckery. Awareness dawned on us that burnout is, for many people, a life-swallowing emergency faced without help, support, or even basic human compassion. These poor people are like sailors lost at sea. They use all of their strength to just keep floating for another moment. They’re too exhausted and depleted to swim for land, even if we told them where it was and how to get there. Our voices were reaching them far too late.

We’ve always felt it was our mission to help people. So when we saw for ourselves how many talented, bright, good-hearted people burnout was grinding into a fine powder, our new goal became clear.

And then we got to work.

Us writing the Burnout Workshop, fueled by divine inspiration.

Now, at long last, we’re unveiling the fruits of our labor.

The Burnout Workshop, presented by Bitches Get Riches and written by us, is complete. Unlike in the past, you don’t have to attend an in-person event to hear it. It’s available to everyone, everywhere—and you can take it right now.

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We’re in a New Bull Market! Should You Give One Single Fuck?

While out at dinner last week, a friend turned to me and said, “I heard some positive news about the economy and a new bull market today. Yet it seems like nothing has changed for the better with the finances of most people I know. My sister in money nerdery… what, pray tell, the fuck?”

What the fuck indeed!

According to the U.S. Census Bureau, more Americans than ever are struggling to pay their household bills. Housing is currently unaffordable for half of American renters, a record high as reported by the Joint Center for Housing Studies at Harvard University. And analysis from the Federal Reserve Bank of St. Lewis shows that Americans’ financial stress due to credit card debt has reached levels not seen since the Great Recession of 2008-2009.

Yet despite all of these extremely fucking dire stats, there’s apparently reason to celebrate! For we have entered a new bull market! That’s way more important to the economy than [checks notes] rising eviction rates and a massive baby formula shortage, right? Right?

… right?

Hello, class inequality, my old friend. It’s time we got super bummed about you again.

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How Abusive Workplaces Mirror Abusive Relationships

How Abusive Workplaces Mirror Abusive Relationships

Note: Today’s discussion is about abusive workplaces, abusive relationships, and the common ground between the two. We will talk about high-control relationship models, power imbalances, and manipulation tactics. But we’re not telling any harrowing first-person stories, nor talking about physical or sexual violence. If those are topics you need help navigating, we have an article dedicated to workplace sexual harassment, and another on intimate partner financial abuse.

Earlier this year, Piggy and I delivered a speech on the subject of burnout. That there’s an appetite for advice on this subject among women’s professional associations will, perhaps, not shock you?

As I was researching the impact that burnout has on the body, I got an eerie feeling that the symptoms seemed familiar. I wondered if I’d already written something on this topic and forgotten. (We’ve written several hundred articles apiece, so it happens!)

But no! What was tripping my extremely faulty memory triggers wasn’t a past article about burnout.

It was a past article on domestic violence.

This really got me thinking about all the stories I’ve heard from you, our readers, about burnout. And I started noticing disturbing patterns in the ways those stories were told. As a result, I’ve come to a stronger opinion about the overlap between the psychology of abusive workplaces and abusive relationships.

… Which is that they’re functionally identical.

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