Ask the Bitches Pandemic Lightning Round: “Is This the Right Time To Start Investing?”

Jess Fickett ("Piggy") 7 Comments

Welcome to the Ask the Bitches Pandemic Lightning Round! We’re working around the clock to answer your questions about coronavirus, the impact of quarantine, and the recession of 2020.

Today, we’re considering if now is a good time to start investing. Because your dad probably told you it’s a great time to invest. But is your dad right?!

Dad says START INVESTING!

We’ll be coming at you fast this week, answering as many urgent questions as we can. If you appreciate the extra effort, we would love a small donation to our Patreon. Thank you!

Join the Bitches on Patreon

The question

“Dearest bitches, I finally paid off my student loans in January and the money that had been going to them has just been hanging tight in a savings account until I move it to my Roth IRA (right now it’s up to about $2k). The question, then: with the market, to quote a friend, ‘going down worse than your eighth jagerbomb,’ when is the best time to make that shift? It’s going into a robo-managed fund, so it’s not like I’m actively playing the market, but I’m still nervous. Help!”

Ah. Lovely. A slightly more optimistic question than our last few!

We’re going to answer this question straight, with the assumption that you’ve already taken the stability of your job, healthcare insurance, and emergency fund into ample consideration.

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Ask the Bitches Pandemic Lightning Round: “What Do I Do if I Can’t Pay My Bills?”

Jess Fickett ("Piggy") Leave a comment

Welcome to the Ask the Bitches Pandemic Lightning Round! We’re working around the clock to answer your questions about coronavirus, the impact of quarantine, and the recession of 2020.

Today, we’re talking about what to do in the event that you can’t pay bills due to disruptions in your workplace.

We’ll be coming at you fast this week, answering as many urgent questions as we can. If you appreciate the extra effort, we would love a small donation on our Patreon. Thank you!

Join the Bitches on Patreon

The question

“My business already suspended travel and they’re talking about closing and having people work from home now that our schools are closing and there’s a confirmed case in our city. Problem is, I’m one of the lab techs. I can’t work from home and I can’t pay bills at the moment if I don’t get my paychecks. What advice do you have for those of us who will lose money? I read some articles and they basically said call your landlord to ask ‘Pretty please,’ which won’t work for my ruthless landlord.”

This is definitely the most sobering question of the pandemic. It’s also the one most easily answered, which warms my withered heart like a raisin in the sun.

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Ask the Bitches Pandemic Lightning Round: “Can I Get Fired for Skipping Work?”

Lauren Torres ("Kitty") 6 Comments

Welcome to the Ask the Bitches Pandemic Lightning Round! We’re working around the clock to answer your questions about coronavirus, the impact of quarantine, and the recession of 2020.

Yeah, that’s kinda how life feels right now.

We know y’all are already drowning in a deluge of news stories and rumors about COVID-19, the global pandemic caused by the coronavirus. But there’s also a lot of misinformation circulating. Folks are getting real panicky in a time when we most need to be calm, rational, and trusting.

This is why Kitty and I have thrown all our other work aside to speed up our writing schedule. We want to soothe your consciences and help you keep your shit together. On Monday we focused on the practical steps you can take to help yourself and your community stay safe and healthy. If you haven’t read that article yet, go do so.

We wish that Bitch Nation was a real country. There, we could not only quarantine all our beloved readers, but offer them a living minimum wage, paid sick leave for all workers, and mandate at least one dog per household. Alas! Our empire is merely virtual.

So today we’re kicking off a special Lightning Round of Ask the Bitches. We’re publishing as many Q&A articles as we can in the coming days. We want to put your minds at ease, dispel some misconceptions, and give you some helpful resources for getting through COVID-19 fever (pun intended???) with your sanity and emergency funds intact.

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

Lauren Torres ("Kitty") 24 Comments

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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You WILL Regret Accepting Your Coworker’s Social Media Friend Request

Lauren Torres ("Kitty") 13 Comments

Facebook was born just as Piggy and I became seniors in high school. That made us the exact right age to experience the social media phenomenon as it was originally intended: a secret club made exclusively for college students to be extremely horny at each other.

Ummm yeah. It was buck-wild.

Scroll back far enough, and it’s like time traveling back to Studio 54 in 1978. Nothing but glitter and blow and Donna Summer rhapsodizing for seventeen minutes about a cake in the rain. Jokes so filthy I cover my mouth when I read them! Photos so embarrassing they can never see the light of day!

Is there a photo of Piggy and I clinking wine glasses while I’m giving her a lap dance while wearing nothing but a cowboy hat, a bra, leggings, and some fingerless leather biker gloves? Uh, YEAH, I’m pretty sure there is! (And before you ask, no—you shall never see them. Not even you, Patreon donors. I know we’ve shared some of our drunken karaoke with you in the past, but even we have limits!)

It was fun while it lasted. But alas, nothing gold can stay.

The times they are a’changin’

First came the high school students. Then the general public. Friend requests crept in from younger kids who’d looked up to us. Coworkers. Professors. Bosses! Parents?! GRANDPARENTS??! Meemaw, no! You don’t need to see old photos of Piggy and I humping a statue of Abigail Adams!

So much about social media has changed since Pigz and I were young. But even though its place in our daily lives is pretty damn cemented, there still isn’t a clear path to avoiding the intrusive, awkward encounters with bosses, coworkers, and companies. The OG horniness persists if the platform persists (do not check your filtered messages, for there be dragons). But it has expanded to includes bosses, coworkers, and companies who are horny for a peek into your private life. They’re thirsty as heck to leverage whatever they can learn about you for their own purposes.

Today we’re sharing some horrifying tales from the intersection of work and social media. Perhaps we can distill a little wisdom from the wreckage!

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Hide your wives! The bitches are going to Ecuador.

DON’T Join Us for the 2020 Financial Independence Chautauqua

Jess Fickett ("Piggy") 1 Comment

The 2020 Financial Independence Chautauqua has been canceled due to an international shortage of toilet paper the coronavirus pandemic. So the Bitches will NOT be going to Ecuador. We’re super bummed, but Cheryl has made the right decision by canceling this year’s event for everyone’s safety. Stay tuned for news about the chautauqua in 2021! We repeat: THE BITCHES ARE NOT GOING TO ECUADOR.

Throughout our illustrious career as the owners and proprietors of Bitches Get Riches, we the titular Bitches have become infamous for many things: berating you for throwing away your leftovers; trying desperately to appear young and hip yet betraying our ages with 1990s pop culture references; causing mass “language warnings” whenever our content is shared; arguing viciously over cheese crackers; and holding court at the hotel pool during personal finance conferences.

Yet there is one feather we have yet to add to our ostentatious hats: we are not yet widely known for speaking engagements.

Brace yourselves, for all of that is about to change.

Come see us talk in Ecuador of all places!

We’ve been invited to speak at the 2020 Financial Independence Chautauqua this August 29th to September 5th in Ecuador! AND YOU CAN COME TOO!

The FI Chautauqua was started in 2013 by J. L. Collins and Cheryl Reed. It’s a week-long retreat for forward-thinking humans to discuss the path to financial independence and—more importantly—what comes after. There are presentations, break-out sessions, discussions, tours of the incredible natural landscape and indigenous culture of Ecuador, along with plenty of time to shoot the shit and compare notes with your fellow travelers.

Since its inception, the retreat has hosted some of the finest minds in money nerdery waxing both philosophical and instructional about the finer points of financial independence, money management, and life.

Past speakers have included space mermaid and human inspiration dispenser Paula Pant; the mysterious yet whimsical Mad Fientist; the sparkling singularity known as Jesse Mecham of You Need A Budget; our sexy Gandalf himself, J. D. Roth; and the original bikevangelist and Man Who Can Do a Better Pool Cannonball Than Kitty, Mr. Money Mustache. Fucking nerdy, money-obsessed rockstars, all of them.

(Yet for some reason they’re adding us mere mortals to the roster this year. Clearly the Chautauqua has fallen on hard times.)

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10 Questions You Should Never Be Asked in a Job Interview

Lauren Torres ("Kitty") 15 Comments

I got a call from a recruiter the other day. His offer wasn’t very exciting, but I told him to keep in touch. It would’ve been a forgettable call… except that he then asked a series of really unusual job interview questions.

“Can I ask a few more questions to complete your file?” he said.

“Sure.”

“You’re a U.S. citizen, right?”

I answered immediately, automatically. But as the “yep” escaped my mouth, a little warning light started flashing in the back of my brain.

“And your date of birth?”

I paused. There are some questions you should never be asked in an interview setting. Your nationality is one. Your age is another. He’d asked two of these questions in a row. What’s going on here?

I decided to give my birthdate, partially because I’m the exceedingly neutral age of 32, and partially because the truth is the easiest answer to give when caught off-guard. But then his last question was… 

“Do you feel comfortable giving me the last four digits of your social security number?”

WOAH. What what whaaaat?! I didn’t know the dude from a hole in the ground! My birthdate and my social?! What’s he gonna want next—my credit card number? A copy of my house keys?? Shit no!

I thanked him for his time and asked him not to contact me again.

I knew the job offer was legit; I’d had other recruiters contact me about it as well. But the high number of sensitive questions betrayed a basic lack of training and discretion. It was just too many red flags.

Even though I know a lot of this stuff cold, I still wasn’t prepared for how to handle them when they came up in the moment. But you will do better than me! Today I’ll share with you ten bad job interview questions to watch out for. We want you to be ready to identify and avoid sketchy workplaces and scams. Luckily, many seem willing to make their sketchiness known before they even hire you!

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A Hand-holding Guide To Getting Your First Credit Card

Jess Fickett ("Piggy") 6 Comments

I got my first credit card at age eighteen. I was a high school senior. I’d just been accepted into college, and the world was my goddamn oyster (but slightly less like salty snot). The year was 2005… and getting that shiny little piece of plastic was just about as easy as putting out my hand and asking for it.

Times have changed. We now live in a post-2008 Recession world, and getting your first credit card has become markedly harder. This is probably why we constantly receive questions from eighteen-year-olds like “I’ve submitted nine applications and no one will give me a credit card. What do???”

The Ramseyan debt purists will say “Do without it, you fool!” But we believe a credit card can be an extremely useful weapon in your financial arsenal. Just look at what happened when Kitty and her boyfriend tried to rent an apartment together and couldn’t because he had no credit!

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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?”

Lauren Torres ("Kitty") 20 Comments

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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"Should I believe the fear-mongering about another recession?"

Season 1, Episode 12: “Should I Believe the Fear-Mongering about Another Recession?”

Lauren Torres ("Kitty") 1 Comment


Today we conclude season one of the Bitches Get Riches podcast. Because twelve is a lovely number. So flexible, so inviting. Two digits, but still approachable. It’ll divide by two, three, four, six… you know. Whatever! Twelve goes with the flow. It’s pansexual, it works from home, and we stan it.

Season one was a labor of love. We scripted, recorded, and edited it ourselves. Piggy even wrote and recorded our opening song. (YES! That’s Piggy singing and self-harmonizing! Thank you for respecting her Rennaisance Personhood!) It was definitely the endeavor that pushed BGR from “time-intensive hobby” into “second full-time job” territory. Which is why we’re taking a short break. But we think it was worth it, and we hope you do too!

Our final question of season one comes from Patreon donor Madi (thank you, dearie!), who wants to know…

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