Your Yearly Free Medical Care Checklist

Your Yearly Free Medical Care Checklist

If you are an American who is lucky enough to have health insurance, you almost certainly have free medical care coming your way.

Several annual and semi-annual services are 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.

Pro-tip: don’t wait until the end of the year to do all this stuff! Every medical office I’ve ever been to is slammed during November and December as everyone tries to use up their benefits. Schedule it now to avoid the crush.

Here’s what you should be doing every year.

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How (and Why) to Take Back Reproductive Rights: On Pulling Weeds and Fighting Back

In light of the overturning of Roe v Wade, it’s with a heavy heart that I revise and expand this article from 2019 with a new goal to take back reproductive rights.

Our mission at BGR is to help people use money as a tool for greater personal autonomy, community stability, and social justice. The sudden unjust denial of abortion access to many Americans has us utterly shaken. We have stated many times that reproductive rights are a non-negotiable basis for success. It is impossible to work toward any of those goals without the right to freely determine the number and timing of potential children. But here we are.

The average American child costs a quarter million dollars before they reach age eighteen. The idea that any person or family should be forced to make such a financial commitment—or several such commitments—for something they don’t passionately want is fundamentally repugnant to us.

We mostly write about money and careers on Bitches Get Riches. It’s not because we love them so much we wanna kiss ‘em on the mouth—it’s because in the society that we have today, money and careers are the best tools we have to attain complete independence and autonomy.

We believe that each individual is an expert in their own happiness. And given a modest level of financial stability, people will have the freedom to make the choices that make their lives feel deliciously worth living.

Limiting abortion access—much less criminalizing it—stands in direct opposition to these values.

Piggy and I are sick with worry for the people impacted by this ruling. We’re grieving, as we know many of you are too. We are not alone. We’re not even a minority, as two thirds of Americans didn’t want this ruling. But we’re also furious, and ready to fight. Together, we have more power than the tyrannous minority of withered shitheads bent on turning our country into a racist, misogynist, corporate-sponsored theocracy.

Phew. Getting spicy and it’s just the intro! Did I mention I am furious?

Today we’re discussing how, and why, to take back reproductive rights. How do we get abortions to people who need them? Who can undo this injustice, and what can we do to exert influence on them so they take action? And how do we make sure that the changes endure permanently? Let’s get into it.

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Ask the Bitches: "Do Women Need Different Financial Advice Than Men?"

Ask the Bitches: “Do Women Need Different Financial Advice Than Men?”

Today on Ask the Bitches, we’ve got a GREAT question about whether women need different financial advice than men. And it was asked by… A MAN?!

(Cue: crashing thunder, rain SFX, opening cords of “It’s Raining Men.”)

That’s right, doubters and haters. Despite our joyless misandrist ways, we’ve got male readers. We’ve even got male readers who are so into what we talk about they’re willing to pay us for our work by becoming Patreon donors!

Our male fans be like...

One such donor asked us a thought-provoking question about gender and money that initially kinda stumped me. In short: do women need different financial advice than men?

I had a knee-jerk reaction to say “no” and leave it at that. (Helpful!) But as I thought about it, I realized there are some significant biological and cultural differences worth discussing. Let’s start by reading the particulars of Patron Mat’s excellent question.

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Ask the Bitches: "Social Media Fatigue is Stressing Me the Fuck Out—What Can I Do Besides Quit?"

Ask the Bitches: Social Media Fatigue Is Stressing Me the Fuck Out—What Can I Do Besides Quit?

I’ve spent a lot of time gazing into the abyss of social media fatigue over the past year. And I guess the abyss is finally gazing back, because we’ve gotten a few questions on this subject recently!

Patreon donor (and effulgent selkie maiden) Georgie puts it this way:

Hello eminent and awe-inspiring Bitches! I have a question that I hope you might have some insight on.

How can I kick ass in today’s activism, corporate, and social world without using social media? 

I am autistic, and have found through painful experience that usage of any media that is endlessly scrollable (think Facebook, Twitter, Tumblr, etc) negatively impacts my mental health to the point of being actively dangerous. Most importantly, I have been active in social justice activism for a few years now and find it nigh on impossible to work well within the current BLM movement in my city without Facebook.

Along with this, I know that potential employers, dates, and roommates are searching for me online and finding someone who effectively disappeared last year. Any advice would be appreciated.

May your crackers be cheesy & your wallets be fat,

– Georgie

First, we must pause to admire Georgie’s sign off, which is a 10/10. Now, let’s see what we can do about her problem, which sounds like social media fatigue. Maybe with a splash of activism fatigue. And boy am I familiar with that!

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8 Genres of Productivity Music (Plus Our Secret Stash of Personal Favorites)

8 Genres of Productivity Music (Plus Our Secret Stash of Personal Favorites)

Recently I collected my twenty-five best work from home tips together into one place, and I briefly mentioned my favorite productivity music. I didn’t go into much detail because I assumed everyone knew about the lofi study beats phenomenon. But I was pretty shocked! Lots of people mentioned that it was their first time hearing about it.

Readers, I’m sorry. We try not to hold out on you—but we often accidentally do! Our favorite tools are so familiar that we can’t comprehend life without them. And then we fail to adequately hype them.

Music is a super valuable productivity tool. If I’m trying to get shit done, the wrong soundscape makes time crawl by. I’m agitated and grumpy after twenty minutes. But the right productivity music helps me find my groove quickly and stay in it for much longer. Time glides by. Before I know it, my tasks are complete.

Today we’ll highlight eight productivity music genres, plus a bunch of our favorite compilations and tracks. Y’all best bring the goods and drop your favorite productivity beats in the comments!

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Love in the Time of Coronavirus: How To Protect Your Community and Your Soul From COVID-19

Hello precious readers. Piggy and I decided to halt our regularly scheduled programming to talk to you a little about what’s going on in the world right now: the COVID-19 pandemic.

We will be writing more about this topic very soon—particularly the financial and economic aspects, as they are ~*kinda our thing*~. So if you’re worried about how to handle absences at work, or being fired, or what to do with the money you have in the bank right now, stay tuned for more. We’re speeding up our normal writing schedule to answer questions as fast as we can. (Anyone can submit questions through our Tumblr. Patreon donors can message us directly.)

Today we’re going to reinforce the most important advice: how to be good at coronavirusing!

Which is to say: how to be a safe, respectful, engaged, and helpful member of the global community during this crisis where we need each other desperately, yet ironically should be physically avoiding each other!

And for that, we’re gonna need any viral researchers, vaccine synthesizers, medical professionals, state governors, and similar to go ahead and stop reading BGR articles. Piggy and I really agonized over this decision, but it’s final. I know we have a very witty and relatable writing style, but it’s time for you to Go Do The Thing. So go on now, y’all—git!

… Are they gone?

Okay. For the rest of you, we have great news! Your job is significantly simpler and easier. In fact, there are really only a few things you can do. Here’s what you can (and must) do to be part of the solution, rather than part of the problem.

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Ask the Bitches: "I Just Turned 18 and My Parents Are Kicking Me Out. How Do I Brace Myself?"

Ask the Bitches: “I Just Turned 18 and My Parents Are Kicking Me Out. How Do I Brace Myself?”

Today’s question is from a Patreon donor I’ll call Star who is getting kicked out of their home by their parents. It will include a lot of discussions about abusive parental relationships, so please be forewarned.

Star is in a Patreon tier that guarantees we will answer one question. We often do so privately, as the circumstances are often quite particular. But sometimes we post them publicly as articles if we think they would be helpful to others. That’s the case with today’s letter.

Hello! I just became a Patron. I’m currently in a situation where my family has been threatening to kick me out of the house. I just turned eighteen two weeks ago, so my adult legs are a bit wobbly. I’m trying to save up for a car, as that’s most important to me right now. My question is: Do you queen genius Bitches know if there’s any way I could get government assistance? Or any advice as to how I can move out from my abusive home on my own terms, but as soon as possible? Thank you in advance.

We’re so sorry you’re in this situation.

Eighteen has to be the most fraught age for the relationship between children and parents. It’s normal for once-loving family relationships to feel strained as you all struggle to adjust to the transformation from dependent child to independent adult.

But it is not normal for parents to hang the threat of homelessness and poverty over their teenage child’s head. I really wish you weren’t going through this, weren’t getting kicked out.

Piggy and I are here in your corner with you, Star. And so is every other BGR reader. We have a substantial population of Hip Mom™ readers, and I am hyper-aware of them right now, because I can feel their simmering rage at reading your letter. It’s warming my keyboard. Ow ow ow!

I hope you have a lot of people in your corner besides us, both because you deserve love and support, and because we’re dumbasses who will probably get plenty of this wrong.

But we’re going to do everything we can to help you regardless as you’re being kicked out. Let’s get into it.

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{ MASTERPOST } Everything You Need to Know about Self-Care

{ MASTERPOST } Everything You Need to Know about Self-Care

Self-care! It’s not just for rich white ladies with 100,000 Instagram followers!

Self-care is for you.

Yes you. As hard as it may be to believe when you’re at your worst and feeling low, you deserve a little care and maintenance now and again.

And we want you to have it. So here it is, children: the complete works of the Bitches on self-care, personal betterment, and making your life happier, healthier, and wealthier.

You’ve earned it.

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Ask the Bitches: I Want to Move Out, but I Can't Afford It. How Bad Would It Be to Take Out Student Loans to Cover It?

Ask the Bitches: I Want To Move Out, but I Can’t Afford It. How Bad Would It Be To Take Out Student Loans To Cover It?

We have a question today from a Tumblr follower. If you don’t follow us on Tumblr, you should! Piggy is one of the Tumblr Deep Ones. She’s been on the platform since its infancy, and she answers tons of reader questions.

Like this one!

I need to move out, but I don’t have any money actually saved up. I do have a job that can cover my monthly costs and still have some left over. So I was wondering just how bad of an idea it is to take out a student loan to get me out of my situation and then immediately work on paying it off.

Ah. A very relatable dilemma.

For most people (and families), housing is the largest item in their budget. Young people spend, on average, a quarter of their income on housing—more than any other age group. Which means that saving money on housing can have an enormous positive impact on your finances. Especially when you’re young.

But is it ever a good idea to strategically spend a lot more than you have to on housing? Spoiler alert: yes, it absolutely can be.

Let’s get into it!

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(Sigh) Why Is Astrology Coming Back?

(Sigh) Why Is Astrology Coming Back?

Sometimes I feel really in-touch with America’s youths.

Like when I read a headline about how they don’t care about Joe Biden. “I, too, don’t care about Joe Biden!” I cry, pulling off my readers, rising up out of my Chesterfield, knees cracking, brandishing the physical copy of the newspaper, feeling positively nineteen again!

On the other hand, young people like a lot of wacky shit that I just don’t get. Like the D*va x Lucio ship. And the word “yeet.”

One of the trends I find a little mystifying is the return of interest in astrology. You know. Them little amminals that live in the sky and make us impulsive or conflict-avoidant or whatever. These proto-Pokemon (Capricorn = the Water Goat Pokemon, don’t @ me) are part of an ancient tradition of what we now call woo.

Woo (also called woo-woo) is a catch-all term for pseudoscientific models of thought that don’t hold up to much logical scrutiny, but are popular nonetheless because they simplify the world and appeal to the base human predisposition to find patterns, connections, and order in our extremely strange world.

The term woo can encompass a lot more—everything from the belief in ghosts to the belief in chem-trails. But I’m focusing today on types of woo that are meant to guide adherents through an understanding of the future and/or themselves, like astrology. Because consumption of those beliefs are growing rapidly.

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