Bitches Get Riches

TODAY'S GUEST:
The one and only producer, composer, actor, musician, and haver of great hair, Chris Dane Owens! (empirequeenmovie.com, chrisdaneowens.com)

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TODAY'S QUESTION:
Hi aunties! My partner and I have been long distance since we got together, and just recently they had to move back home because of Covid. The state they live in is very cheap, they will be there for 4 years getting a business degree, and they've made several offers for me to move in with them. But it's over 900 miles away and they are the only person I know there. How do I decide if I should move and when I should do it?

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Go to Bitches Get Riches and click "Ask the Bitches." We get too many to answer them all, but donors are guaranteed an answer! (https://www.bitchesgetriches.com)

TODAY'S SPONSOR
Mainvest is small business crowdfunding for those who want to cut mainstream, large financial institutions out of the process of funding and supporting local businesses. Transparency and high ethical standards are the norm with Mainvest’s small business investing opportunities. Click the link to get started: (http://mainvest.pxf.io/bgr)

READ THE TRANSCRIPT
(https://www.bitchesgetriches.com)

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TODAY'S QUESTION:
So I just got hired at this really small literal mom and pop cafe in the town I just moved to. When I was hired, the one owner told me I would get “$14 an hour plus cash tips.” Maybe I’m just fuckin stupid, but I didn’t realize that that meant literally only the cash tips and I would not get paid any of the tips that people leave when they pay with a credit card. I asked her about credit card tips today and that’s when she told me, very coldly, “Like I told you yesterday and the day you were hired, you get cash tips. We keep credit card tips.”

Most of our payments are done with cards so I am missing out on a LOT of tips. I have never worked somewhere that I did not receive tip outs from credit card tips. Is this even allowed?

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Go to Bitches Get Riches and click "Ask the Bitches." We get too many to answer them all, but donors are guaranteed an answer! (https://www.bitchesgetriches.com)

TODAY'S SPONSOR
Acorns is the country’s leading micro investing app and babies… we fucking love it. In my humble opinion, it’s a great option for beginning investors and anyone having a hard time saving. Click the link to get started: (https://pubtrack.co/C4X1PXR/4WNR4Z/)

READ THE TRANSCRIPT
(https://www.bitchesgetriches.com/my-boss-kept-my-tips/)

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TODAY'S QUESTION:
I was wondering if you had any advice on pricing your own products, specifically artwork? I want to try selling some of the paintings I do, but I don't know what would be a fair price.

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Show your love by becoming a patron. We're trying really hard not to do the whole corporate money thing. Disrupt capitalism today!  (https://www.patreon.com/bitchesgetriches)

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Go to Bitches Get Riches and click "Ask the Bitches." We get too many to answer them all, but donors are guaranteed an answer! (https://www.bitchesgetriches.com)

TODAY'S SPONSOR
Capitalize is a third party company that takes you gently by the hand and guides you lovingly through the 401k rollover process. If you don’t yet have an IRA to roll your old 401k over into, not to worry! Capitalize will help you find and open an account too.  And they do it all quickly, kindly, painlessly… and for free. Click the link to get started: (https://www.hicapitalize.com/bgr)

READ THE TRANSCRIPT
(https://www.bitchesgetriches.com/season-4-episode-10/)

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TODAY'S QUESTION:
I recently got a new job with a big pay increase, better hours, more job security, etc., but now I've realized that I hate the career path I'm on right now. I'm a manufacturing supervisor and I don't want to manage people forever and I hate the capitalistic crunch to bleed my employees dry for revenue. I don't want to take a step back down in salary though. I've been thinking about looking for a career coach or a recruiter to try to figure out what kind of different jobs I would be qualified for, would actually like, and would be in a similar pay range. Are there consultants for that sort of thing? How do I find a good one? What other resources are there for figuring out WHAT to pivot to when you know you want to pivot??

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Go to Bitches Get Riches and click "Ask the Bitches." We get too many to answer them all, but donors are guaranteed an answer! (https://www.bitchesgetriches.com)

TODAY'S SPONSOR
Mainvest is small business crowdfunding for those who want to cut mainstream, large financial institutions out of the process of funding and supporting local businesses. Transparency and high ethical standards are the norm with Mainvest’s small business investing opportunities. Click the link to get started: (http://mainvest.pxf.io/bgr)

READ THE TRANSCRIPT
(https://www.bitchesgetriches.com/season-4-episode-9-wrong-career-path/)

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TODAY'S QUESTION:
Something has been really bothering me as my spouse and I try to plan our future. We're both looking toward early retirement and every single bit of advice I see for where to retire... just doesn't take into account being gay. At all. All the "retire here for the lowest taxes and best chance at a good life" advice points to states with awful track records about all queer stuff ever (looking at you, Florida-Alabama-Louisiana-Montana). My queer heart is so frustrated that I'm essentially ignored in this advice again and again (pretty standard in personal finance, I know) and I would just love your combined take on what to look for in a place to retire to that takes into account social safety nets and not literally trying to legislate my spouse and I out of existence. I guess I am feeling pretty disheartened about the idea that I have to retire to a state that's going to possibly harm my rate of return and make early retirement harder just because I am queer. Do I suck it up and move to Florida? Are those taxes worth it to support those broader social safety nets and so we just suck it up and pay those in the queer haven of upstate New York-and-or-Vermont?

LIKE THIS SHOW AND WANT US TO KEEP DOING IT?
Show your love by becoming a patron. We're trying really hard not to do the whole corporate money thing. Disrupt capitalism today!  (https://www.patreon.com/bitchesgetriches)

WANT TO ASK A QUESTION?
Go to Bitches Get Riches and click "Ask the Bitches." We get too many to answer them all, but donors are guaranteed an answer! (https://www.bitchesgetriches.com)

TODAY'S SPONSOR
Acorns is the country’s leading micro investing app and babies… we fucking love it. In my humble opinion, it’s a great option for beginning investors and anyone having a hard time saving. Click the link to get started: (https://pubtrack.co/C4X1PXR/4WNR4Z/)

READ THE TRANSCRIPT
(https://www.bitchesgetriches.com/season-4-episode-8-im-queer-and-want-to-find-an-affordable-place-to-retire-how-do-i-balance-safety-with-cost-of-living/)

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TODAY'S QUESTION:
A waiter in the restaurant where I work smells bad and almost the whole staff has complained about his particular odor. The thing is, we (as management) don’t know how to address this issue because he is sort of sensitive (he has cried on the job over small verbal warnings). Any advice on how to approach this with him? I know it has to be one of us and in private but I don’t even know which words to use.

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Show your love by becoming a patron. We're trying really hard not to do the whole corporate money thing. Disrupt capitalism today!  (https://www.patreon.com/bitchesgetriches)

WANT TO ASK A QUESTION?
Go to Bitches Get Riches and click "Ask the Bitches." We get too many to answer them all, but donors are guaranteed an answer! (https://www.bitchesgetriches.com)

TODAY'S SPONSOR
Capitalize is a third party company that takes you gently by the hand and guides you lovingly through the 401k rollover process. If you don’t yet have an IRA to roll your old 401k over into, not to worry! Capitalize will help you find and open an account too.  And they do it all quickly, kindly, painlessly… and for free. Click the link to get started: (https://www.hicapitalize.com/bgr)

READ THE TRANSCRIPT
(https://www.bitchesgetriches.com/coworker-smells-bad-how-do-i-address-this-issue-at-work/)

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TODAY'S QUESTION:
I work for a start-up that grew from 25 people to 250 in the last year and a half, since I've been with them. I have a generous paycheck, great benefits, and a vesting agreement that I'm halfway through (but I know those shares aren't worth a dime if I can't sell them), I like the work that I do okay enough. This is my first full-time job. I'm curious about what else is out there. What else I could be paying attention to. What other projects I could spend my time on. How do you know when it's time to leave a position?

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Go to Bitches Get Riches and click "Ask the Bitches." We get too many to answer them all, but donors are guaranteed an answer! (https://www.bitchesgetriches.com)

TODAY'S SPONSOR
Mainvest is small business crowdfunding for those who want to cut mainstream, large financial institutions out of the process of funding and supporting local businesses. Transparency and high ethical standards are the norm with Mainvest’s small business investing opportunities. Click the link to get started: (http://mainvest.pxf.io/bgr)

READ THE TRANSCRIPT
(https://www.bitchesgetriches.com/how-do-i-know-when-its-time-to-move-on/)

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TODAY'S QUESTION:
How do I save for retirement without a 401(k)? Whenever people talk about saving for retirement they mention 401(k)s and pensions, but I don't have any of that. I work in the service industry and I have an IRA. I want to know how to prioritize and plan for retirement without that big fancy 401(k).

LIKE THIS SHOW AND WANT US TO KEEP DOING IT?
Show your love by becoming a patron. We're trying really hard not to do the whole corporate money thing. Disrupt capitalism today!  (https://www.patreon.com/bitchesgetriches)

WANT TO ASK A QUESTION?
Go to Bitches Get Riches and click "Ask the Bitches." We get too many to answer them all, but donors are guaranteed an answer! (https://www.bitchesgetriches.com)

TODAY'S SPONSOR
Acorns is the country’s leading micro investing app and babies… we fucking love it. In my humble opinion, it’s a great option for beginning investors and anyone having a hard time saving. Click the link to get started: (https://pubtrack.co/C4X1PXR/4WNR4Z/)

READ THE TRANSCRIPT
(https://www.bitchesgetriches.com/job-doesnt-offer-retirement-accounts/)

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TODAY'S QUESTION:
I have over 100k in student loan debt, and I keep meeting other people with student loan debt that wax poetic about how they feel like “their money belongs to the department of education” and “they owe it to the country to pay that money back” “I made a commitment, I don’t want loan forgiveness” and sentiments of that nature. Am I entitled or being an asshole by feeling like: I’m paying mine back because I have to, but I don’t see anything noble about it and if I could get out of it, I would. I’m paying what I have to pay to qualify for the PSLF program and I’m not paying a penny more. Do I need to adjust my attitude?

LIKE THIS SHOW AND WANT US TO KEEP DOING IT?
Show your love by becoming a patron. We're trying really hard not to do the whole corporate money thing. Disrupt capitalism today!  (https://www.patreon.com/bitchesgetriches)

WANT TO ASK A QUESTION?
Go to Bitches Get Riches and click "Ask the Bitches." We get too many to answer them all, but donors are guaranteed an answer! (https://www.bitchesgetriches.com)

TODAY'S SPONSOR
Capitalize is a third party company that takes you gently by the hand and guides you lovingly through the 401k rollover process. If you don’t yet have an IRA to roll your old 401k over into, not to worry! Capitalize will help you find and open an account too.  And they do it all quickly, kindly, painlessly… and for free. Click the link to get started: (https://www.hicapitalize.com/bgr)

READ THE TRANSCRIPT
(https://www.bitchesgetriches.com/student-loan-debt-forgiveness-is-just/)

NEED MORE OF THE BITCHES?
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TODAY'S QUESTION:
I’m in credit card debt and I don’t want to be. What the hell do I do?

LIKE THIS SHOW AND WANT US TO KEEP DOING IT?
Show your love by becoming a patron. We're trying really hard not to do the whole corporate money thing. Disrupt capitalism today!  (https://www.patreon.com/bitchesgetriches)

WANT TO ASK A QUESTION?
Go to Bitches Get Riches and click "Ask the Bitches." We get too many to answer them all, but donors are guaranteed an answer! (https://www.bitchesgetriches.com)

TODAY'S SPONSOR
Mainvest is small business crowdfunding for those who want to cut mainstream, large financial institutions out of the process of funding and supporting local businesses. Transparency and high ethical standards are the norm with Mainvest’s small business investing opportunities. Click the link to get started: (http://mainvest.pxf.io/bgr)

READ THE TRANSCRIPT
(https://www.bitchesgetriches.com/credit-card-debt-2/)

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TODAY'S QUESTION:
I moved in with my partner recently, after dating just a few months. We have no plans to get married or share bank accounts. How do we financially navigate being more than roommates but not quite spouses?

LIKE THIS SHOW AND WANT US TO KEEP DOING IT?
Show your love by becoming a patron. We're trying really hard not to do the whole corporate money thing. Disrupt capitalism today!  (https://www.patreon.com/bitchesgetriches)

WANT TO ASK A QUESTION?
Go to Bitches Get Riches and click "Ask the Bitches." We get too many to answer them all, but donors are guaranteed an answer! (https://www.bitchesgetriches.com)

TODAY'S SPONSOR
Acorns is the country’s leading micro investing app and babies… we fucking love it. In my humble opinion, it’s a great option for beginning investors and anyone having a hard time saving. Click the link to get started: (https://pubtrack.co/C4X1PXR/4WNR4Z/)

READ THE TRANSCRIPT
(https://www.bitchesgetriches.com/season-4-episode-2-im-moving-in-with-my-partner-do-we-split-finances-without-a-shared-account-or-a-marriage-license/)

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TODAY'S QUESTION:
I take it you have investments in broad-based index funds (since it's the prudent thing to do)? At the same time, many of your posts have an anti-capitalist bent.

How do you address this conflict? Mind you, I'm not pointing fingers here, because I'm in much the same situation—private equity overlords booted me out of a job, but my own capitalistic investments allowed me to walk away without any pain, so I don't know how to feel about that. A pat answer is to point towards ethical-investment funds, but while I was reading up on it, I ran across an article that mentioned Wells Fargo as one of the companies listed on some ethical index because they aren't in the sin or war industries.

It turns out, as I scrolled back up, that the article was published before the Wells' fuck-the-customer practices came to light. I'd hardly call them an ethical company today, so these indexes aren't the solution that one would hope for.

LIKE THIS SHOW AND WANT US TO KEEP DOING IT?
Show your love by becoming a patron. We're trying really hard not to do the whole corporate money thing. Disrupt capitalism today!  (https://www.patreon.com/bitchesgetriches)

WANT TO ASK A QUESTION?
Go to Bitches Get Riches and click "Ask the Bitches." We get too many to answer them all, but donors are guaranteed an answer! (https://www.bitchesgetriches.com)

TODAY'S SPONSOR
Capitalize is a third party company that takes you gently by the hand and guides you lovingly through the 401k rollover process. If you don’t yet have an IRA to roll your old 401k over into, not to worry! Capitalize will help you find and open an account too.  And they do it all quickly, kindly, painlessly… and for free. Click the link to get started: (https://www.hicapitalize.com/bgr)

READ THE TRANSCRIPT
(https://www.bitchesgetriches.com/index-funds-and-ethical-investing/)

NEED MORE OF THE BITCHES?
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In a good timeline, no one would have to prepare for a post-Roe world. Reproductive rights would be safely enshrined in our constitution, where they belong. Plus, ice cream would never melt.

Unfortunately, last week’s news made it abundantly clear that we’re in a crappy timeline. I accepted this news with horror, but not surprise. My faith in my elected representatives is as melty as a tub of Americone Dream left on the counter overnight.

But this isn’t the time to despair. It’s time to take action. Someone gave us the incredible gift of forewarning. We have two months to prepare. And there’s a lot of steps you can take to protect yourself and others in your community from the appalling consequences of forced childbirth.

Piggy and I hopped on an impromptu recording session to help our readers and listeners steel themselves for the fall of Roe v. Wade. And I’m thrilled to say we left our aimless thrashing and redundant moralizing on the cutting room floor! (Mostly.) What remained were actionable steps to help you prepare for a post-Roe world.

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Go to Bitches Get Riches and click "Ask the Bitches." We get too many to answer them all, but donors are guaranteed an answer! (https://www.bitchesgetriches.com)

READ THE TRANSCRIPT
(https://www.bitchesgetriches.com/how-to-prepare-for-a-post-roe-world/)

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TODAY'S QUESTION:
I have worked at a string of less than perfect places with toxic managers and owners. As a feisty Capricorn, all I want to do in my exit interview is to read the toxic motherfuckers I work under for filth. To say “You overwork us, lean on staff to the extreme, don’t respect our personal lives, force people to come in sick, and engage in serial wage theft!” But I live in a big small town where the owners of these places all know each other.  

After some serious self-reflection, I can’t really say I do anything wrong at work other than being over qualified for the job, highly competent, and sticking up for myself so I don’t work for free or let people steal my wages. I know that bosses don’t like people who know their rights. But I swear I’m otherwise a good employee.  

I’m finding myself in a smaller and smaller pool of places to seek employment because every time I try somewhere new it’s the same toxic bullshit. And I am SICK of pretending that everything is fine when I inevitably quit for better wages or because I’m sick of the manager’s BS.  

TLDR; how the hell do you speak your mind to a toxic boss in a small town when you quit without royally fucking your future job prospects?

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Go to Bitches Get Riches and click "Ask the Bitches." We get too many to answer them all, but donors are guaranteed an answer! (https://www.bitchesgetriches.com)

READ THE TRANSCRIPT
(https://www.bitchesgetriches.com/stand-up/)

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TODAY'S QUESTION:
How do I get people to take me seriously? I (24f) have a bubbly personality. I’m kind, I do well with children and babies, and I like to have fun. I throw themed parties for special occasions. I like to bake, I like to go dancing with my friends, and I dress in a very feminine way. I don’t want to sacrifice those parts of my personality because they make me who I am, but I have a hard time getting people to listen to me and respect my opinions. I’m about to graduate from law school and I’ve done some things that I am proud of! Like drafting COVID relief legislation, winning a case against a predatory lender as a student attorney, and implementing a federal grant for disabled workers. People still don’t think of me as a serious person, or as someone worthy of their trust, time, or attention. My own dad wouldn’t take my legal advice, and instead chose to pay $19.99 for an online consult with a sketchy website (which just confirmed what I already told him). There are examples of this from all parts of my life: my roommates don’t seem to respect my boundaries when I ask, guys don’t tend to see me as someone to settle down with, my mom constantly asks me if I’m “sure” about my life decisions. What am I missing? Is there something I’m doing wrong? How can I get people to respect me?

LIKE THIS SHOW AND WANT US TO KEEP DOING IT?
Show your love by becoming a patron. We're trying really hard not to do the whole corporate money thing. Disrupt capitalism today!  (https://www.patreon.com/bitchesgetriches)

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Go to Bitches Get Riches and click "Ask the Bitches." We get too many to answer them all, but donors are guaranteed an answer! (https://www.bitchesgetriches.com)

READ THE TRANSCRIPT
(https://www.bitchesgetriches.com/command-respect/)

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TODAY'S QUESTION:
I'm considering changing my job/career. How do I identify transferable skills from seemingly unrelated jobs and frame them as advantages?

LIKE THIS SHOW AND WANT US TO KEEP DOING IT?
Show your love by becoming a patron. We're trying really hard not to do the whole corporate money thing. Disrupt capitalism today!  (https://www.patreon.com/bitchesgetriches)

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Go to Bitches Get Riches and click "Ask the Bitches." We get too many to answer them all, but donors are guaranteed an answer! (https://www.bitchesgetriches.com)

READ THE TRANSCRIPT
(https://www.bitchesgetriches.com/lack-of-direct-experience/)

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TODAY'S QUESTION:
I am lucky to finally be getting paid what I'm worth. I’m making progress on basic financial goals like a robust emergency fund, funding my future retirement accounts, etc, so I’m ready to start focusing my energies on some more personal goals. My husband and I are thinking about expanding our family and trying to have kids. We are thrilled but nervous!  Strangely, while parenting advice is all over the place, there's not a lot of advice I can find about financial milestones to meet before having kids. What advice do y'all have from a financial standpoint for folks looking to get ready to get ready to have kids?

LIKE THIS SHOW AND WANT US TO KEEP DOING IT?
Show your love by becoming a patron. We're trying really hard not to do the whole corporate money thing. Disrupt capitalism today!  (https://www.patreon.com/bitchesgetriches)

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Go to Bitches Get Riches and click "Ask the Bitches." We get too many to answer them all, but donors are guaranteed an answer! (https://www.bitchesgetriches.com)

READ THE TRANSCRIPT
(https://www.bitchesgetriches.com/financially-prepare-for-a-baby/)

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TODAY'S QUESTION:
For long term partners, what are the financial benefits of getting married? Why not just continue to live with my significant other and not legally tie the knot? My partner seems to think that our taxes would be way lower if we were to get married, but I'm not so sure. Yes, there is the added safety net of being on your partner's health insurance if you lose your job… but I'm not sure if that is enough to outweigh the financial consequences of divorce, etc. Along the same lines...is there a simple, cheap way to get a pre-nup for two people who both have similar assets/incomes but just want to be on the safe side?

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TODAY'S QUESTION:
What do you do when you finally have money for the first time? 

I don't have consumer debt, I’ve paid off my student loans, I have an emergency fund, I’m maxing out my 401K... so now what? So many blogs on money stop at this point. But for real, what do "rich" people do with their money once the basics are covered? 

Is it worth it to have a financial advisor? What percentage of your money should be kept in savings versus investments? What kind of investments are smart? How much should you be giving to nonprofits anyway? What else can you do with money other than save for retirementand invest in the stock market? Should I bethinking about rental properties, partially investing in a business, starting a business, or whatever? How does money make more money? What do you do when you've "made it"? 

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Go to Bitches Get Riches and click "Ask the Bitches." We get too many to answer them all, but donors are guaranteed an answer! (https://www.bitchesgetriches.com)

READ THE TRANSCRIPT
(https://www.bitchesgetriches.com/advanced-financial-steps/)

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