Season 3, Episode 2: “I Inherited Money. Should I Pay Off Debt, Invest It, or Blow It All on a Car?”

This week on the podcast we’re dealing with a very foreign concept for many of us: an inheritance.

It’s what happens when one of your loved ones kicks the bucket and generously leaves some of their money to you.

But what do you do with a small inheritance? Do you use it to pay off your student loans? Buy a new car? Stash it in an emergency fund? Invest the whole damn thing and say your prayers to the Oracle of Omaha?

As usual, we have THOUGHTS. Listen to the episode to get them blasted straight into your ear holes!

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Season 3, Episode 1: “I Worry Paying for My Kids’ College Will Spoil Them. Don’t Student Loans Build Character?”

Here it is, Bitch Nation: the moment you’ve all been waiting for. The moment we’ve been teasing for months. It’s time for SEASON THREE OF THE BITCHES GET RICHES PODCAST!!!

Yeah, yeah, I know it took a while. But there were extenuating circumstances (see: coronavirus resulting in general ennui). But since we recently won the Plutus Award for Podcast of the Year (#stopthesteal), we figured we should get off our shapely butts and actually put out an episode of said podcast.

So here it is! And it’s a good one, if we do say so ourselves. In this episode we demonstrate our extensive parenting expertise (none) and experience with student loans (lots). We also wax philosophical about the future costs of higher education. Will little Timmy eventually have to fight in the Thunderdome to get into Princeton? Only time will tell!

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Ask the Bitches: I can't stand another day at my toxic workplace! Can I walk away without a new job lined up?"

Bonus Episode: “I Can’t Stand Another Day at My Toxic Workplace! Can I Walk Away Without a New Job Lined Up?”

We come to you today with a VERY SPECIAL EPISODE™ of the Bitches Get Riches podcast. And it features a VERY SPECIAL GUEST™: Diania Merriam, owner and founder of theEconoMe Conference!

The question

As you guys know, we rarely have guests on the Bitches Get Riches podcast (unless they’re Santa Claus, of course). It’s a lot of pressure to keep up with our 15-year-long friendship of inside jokes and internalized poor taste. We can’t inflict that on just anyone.

But Diania is exactly the sort of brave bitch we knew could handle the challenge. And she’s got some personal experience with the question at hand! So we welcomed her onto the podcast to answer this question from an anonymous listener:

I work in an extremely toxic work environment. My boss is disrespectful, the whole company culture is abusive, and HR has been utterly dismissive of my issues. Walking in the door every morning feels like I’m entering Shawshank Penitentiary. I’m at the end of my rope and I know I have to leave to save myself. But I haven’t been able to land a new job yet. I have some savings, but I’m definitely not financially independent. I’d describe it as a small amount of ‘Fuck You Money,’ but not enough to live on for more than maybe 4-6 months. Should I quit? Even before I have a new job lined up?

– An anonymous Tumblr follower

Diana floored us with a bunch of great insights. (Did you know if you quit your job because of a hostile work environment, you’re still entitled to collect unemployment? We freakin’ didn’t! Huh, I wonder why workplaces don’t mention that fact more often?) Tune in to listen to the three of us discuss the answer.

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We're setting a new goal for ourselves. It's way too ambitious. We're probably gonna fail.

Bitches at the Crossroads: State of the Blog, 2020

Noble citizens of the aspirationally decadent Conglomerated Nation of Bitches Get Riches: let’s have a lil’ chat, shall we? It’s been a while since we chatted about our favorite topic: ourselves!

UM EXCUSE ME WHAT ABOUT MEEEEE?!

We hope you’ve enjoyed season two of the Bitches Get Riches podcast. Recording it was a bright spot for us during this dumpster fire of a year, so thank you all for listening.

As we wrap up another season, we had a few notes to share with you. Including some more personal reflections about how we’re doing, where we’re at, and what the future holds.

Let’s get into it!

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Season 2 Episode 12: "I work for everything while my peers lead carefree lives. How do I control the resentment?"

Season 2, Episode 12: “I Work for Everything While My Peers Lead Carefree Lives. How Do I Control My Raging Resentment?”

IT’S THE SEASON FINALE! And we’re ending it with a bang. Obviously by “bang” I mean a meditative quest to free oneself from the bitterness of resentment as we navigate this unjust and inequitable world. Because come on, it’s us!

The tl;dr of today’s episode is: comparison is the thief of joy.

If you’re constantly comparing yourself to your seemingly more successful, productive, and flush with cash peers, it can be majorly discouraging. We’ve talked before about why you shouldn’t hold yourself to the standard of the uber-successful, or why you shouldn’t long to splurge before you’re ready.

But one of the many, many horrible features of this global pandemic is that it’s becoming harder to avoid comparison. The internet—where we’ve all been forced to work and play while social distancing—is chock full of productivity porn and highly edited content specifically designed to make you feel like you’re not doing enough. Like you’ll never be enough.

So today on the podcast, we’re addressing how frustrating and hard it can be to stay motivated and encouraged when your peers seem to be crushing it… and you feel left behind in the dirt.

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S2 E11: "I tripped and fell into a career I don't like. How do I reinvent myself?"

Season 2, Episode 11: “I Tripped and Fell into a Career I Don’t like. How Do I Reinvent Myself?”

If you’re new here, let me get you up to speed: personal finance is personal. And as a result, it’s also often complicated—a Choose Your Own Adventure with multiple right answers and mitigating circumstances.

Which is why it is so easy to feel stuck in your career or financial journey. What do you do when you’re just fine… but you want more? How do you overcome crippling stagnation? How do you justify leaving the safety of your established, safe career… and risk everything to leap headlong toward your dreams?

Alternatively: when is the safe and not-super-fulfilling job sometimes exactly what you need? What could you do with the excess creative mental energy that a boring day job affords?

All these questions (and much talk of Spiderman!) on this week’s episode.

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S2 E8: "A fancy restaurant mislead me! Was I right to refuse to pay the bill?"

Season 2, Episode 8: “A Fancy Restaurant Misled Me! Was I Right to Refuse to Pay the Bill?”

We Bitches are many things—king makers, trendsetters, practitioners of all the best grandma hobbies. We’re also unapologetically obsessed with r/AmItheAsshole, Reddit’s glorious channel dedicated to the important and if-you-had-to-ask-you-already-know question “Am I the Asshole?”

This week we just could not fucking resist pulling a money-related question straight from r/AITA. Trust me: it was worth it. Dedicated readers and listeners will recall just how strongly we feel about the etiquette of tipping servers in these United States. So naturally, this one got our hackles up. Hopefully it will get your *cackles* up!

Read on for a phonetic spelling of gnocchi from an irritatingly oblivious guy who “likes to eat,” but only if the food is stolen and/or McDonalds. And ladies (just making an educated guess here), he’s recently single!

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S2 E6: "Someone offered to mentor me! How do I be a non-sucky mentee?"

Season 2, Episode 6: “Someone Offered to Mentor Me! How Do I Be a Non-Sucky Mentee?”

Paying it forward! Not just a cheesy movie starring lil baby Haley Joel Osment anymore!

Before I got my first big-kid job, I benefited from three different internships. The super kind, super dedicated, and super patient people who supervised me at these internships had an incredible impact on my education and career. I’ll never know why they put up with me, I’m just grateful they did.

So when I got that big-kid job, I knew I needed to start an internship program for the company. My work ethic and on-the-job know-how had been shaped by my mentors, and I felt the best tribute to these kind people (all of whom I’m still in touch with to this day) was to pay it forward.

I’ve had dozens of interns over the course of my career. And Kitty is part of her company’s professional mentorship program. By our powers combined, we’ve got loads of advice on how to be a good mentor—and more importantly, how to be a good mentee.

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S2 E5: "What do I need to know about moving into my first apartment?"

Season 2, Episode 5: “What Do I Need to Know about Moving into My First Apartment?”

It is Bitches Get Riches canon that Kitty and I met when we were randomly assigned roommates freshman year of college. We bonded through the adversity of cohabiting in a forced triple with an infuriating third party who shall forever remain nameless. The two of us shared a bunkbed and ceded one entire half of the room to that creature’s baffling habits and excessive belongings. I won’t go into it except to quote General William Tecumseh Sherman: “War is hell.”

Yet BGR lore rarely tells the end of the story! For after that fateful freshman year, we went on to rent our first apartment together, taking our roommateship to the next level. Nothing tests a friendship like shopping for a shower curtain together.

We survived our fourth-floor walkup with its busted dollhouse dishwasher and coffin-like shower. But more importantly, our friendship survived.

And thus, we feel uniquely qualified to dispense advice on Baby’s First Apartment!

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Season 2, Episode 4: "Does my career have to define me? Or can I just clock out?"

Season 2, Episode 4: “Does My Career Have to Define Me? Or Can I Just Clock Out?”

I like me a timely discussion. Especially when it’s completely unplanned!

Which is definitely the case with this week’s episode of the BGR podcast. We recorded it in… April? May? (Time is a flat circle infected with COVID-19 so who fucking knows???) And yet it directly links to my story about getting laid off, which we published just a few weeks ago.

Toward the end of my job, I was really struggling with work/life balance, and making choices to prioritize my employment—not even my career, but just holding onto a job it turns out I didn’t really need—over my happiness. In short, I was balancing work and life all wrong.

Which leads us directly to this week’s illustrious podcast question asker!

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