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People of Earnin: Angela Torres

July 22, 2021

Angela is the mother of two teenage boys, 14 and 16. With college tuition coming around the corner, she and her husband have been working to free up money for their children’s education. Hear how Angela stays on top of her finances through planning and a little help from Earnin:

“My goal is just to retire on time. I don't want to be 62 and working at Target. There’s nothing wrong with that, but that’s just not where I want to see myself. Once I hit 62, even maybe 59, I want to enjoy the rest of my life. Through my job, I have a 401k. We own our home. My husband also has a 401k and different funds. We’re on track, but it’s hard to think about it because, to be honest, if my husband wasn't thinking about it, I probably wouldn't be prepared for retirement other than my 401k at work.

I do understand that people have to live for the moment. Am I going to put a hundred dollars away for my retirement or do I need that for food now? Everything's very expensive nowadays. We're going through trying times so you have to get through the next month, three years, five years, 10 and so on. I don't think most people are in the position to plan for retirement. You just don't give it that much thought when you're living check to check.

I have two sons, 13 and 16, and they cost a lot of money, which is where Earnin saves my butt. My oldest one is a junior already, so he's going to be looking at colleges in a year. I’m at a point in my life where I'm trying to get my kids ready for their future. Right now, my husband and I are kind of in prep mode, paying off this, paying off that, which is why Earnin is so helpful to me because I'm able to juggle what I have to. It's a cushion for me for this next year or so.

I mean, if I have to, I will [use a credit card], but it depends on what it's for. When you’re living a single life, twenties, or just married where it's just you and your partner, it’s whatever. When you have kids, it changes. If I didn't have to put my kids through college and buy cars and do these things, I would be a responsible credit card user, but I'm trying to eliminate any type of monthly bill or fee to have my money freed up for them. Now, do I have credit cards? Of course. Do I want to use it in-between payday? No. Do I need it to buy a new oven if it breaks? Sure. There's a time and place when to use it so to speak.

But Earnin just makes it easier for me to stick to the plan and to free up my money for my kids. It was the best thing ever and it still is to this day. It helps me to do what I need to do to get where I'm going. If something comes up, if I have an unexpected expense, or if I have to, in the past, go into overdraft and get hit with a fee, Earnin’s there to help.

My family life and coming to work motivates me. I love my job and being able to give my kids the things that they need. I'm a very content person. I don't really need more or want more as long as I can eat, have a comfortable lifestyle, and drive my car. As long as I have the basics, I'm pretty content. We're really lucky.”

Check out the rest of our People of Earnin like Jerry, Samantha, or Connie!

1Restrictions and/or third party fees may apply, see Earnin.com/TOS for details

2Disclaimer: Balance Shield cash out is subject to your available earnings and daily pay period max. Other restrictions and/or third party fees may apply. For more information visit Earnin.com/TOS.

3NO PURCHASE NECESSARY TO ENTER OR WIN. Must be 18 years of age or older and a legal resident of the U.S. or DC. Games begin each Sunday starting 12/6/20 at 9:01 p.m. ET and end the following Monday at 9:00 p.m. ET with the last Game ending 12/19/21. To download the App, view the Official Rules, odds disclosures, prize details, and alternate means of entry, visit https://www.Earnin.com/wewin/. Void where prohibited. $10,000,000 grand prize payable over 29 years. Sponsor: Activehours, Inc. (d/b/a Earnin), 200 Portage Ave, Palo Alto, CA 94306.

4Disclaimer: Up to 2 days early is based on comparison with traditional banks. Exact timing is dependent on your employer's payroll policies. For more information on eligibility and requirements of Earnin Express, visit Earnin.com/TOS.

5Source: Internal analysis conducted by Earnin on December 10, 2020.

1Restrictions on use of Services and/or third party fees may apply, see Earnin.com/TOS for details.

2Balance Shield cash out is subject to your available earnings and daily pay period max. Other restrictions and/or third party fees may apply. For more information visit Earnin.com/TOS.

3Tip Yourself Account funds are held with Evolve Bank & Trust, Member FDIC and FDIC insured up to $250,000. Tip Yourself is a 0% APY and $0 monthly fee service. Other restrictions and/or third party fees may apply, see Earnin.com/TOS for details.

1Lightning Speed may not be available to all Community Members. Cash Outs may take up to thirty minutes, actual transfer speeds will depend on your bank connection. Restrictions and/or third party fees may apply, see Earnin.com/TOS for details.

2Restrictions and/or third party fees may apply, see Earnin.com/TOS for details.

3Balance Shield cash out is subject to your available earnings and your daily pay period max. Other restrictions and/or third party fees may apply, see Earnin.com/TOS for details.

4NO PURCHASE NECESSARY TO ENTER OR WIN. Must be 18 years of age or older and a legal resident of the U.S. or DC. Games begin each Sunday starting 12/6/20 at 9:01 p.m. ET and end the following Monday at 9:00 p.m. ET with the last Game ending 12/19/21. To download the App, view the Official Rules, odds disclosures, prize details, and alternate means of entry, visit WeWin Game & Sweepstakes Official Rules. Void where prohibited. $10,000,000 grand prize payable over 29 years. Sponsor: Activehours, Inc. (d/b/a Earnin), 200 Portage Ave, Palo Alto, CA 94306.

5Tip Yourself Account funds are held with Evolve Bank & Trust, Member FDIC and FDIC insured up to $250,000. Tip Yourself is a 0% Annual Percentage Yield and $0 monthly fee service. Your Tip Yourself Account and any Tip Jars are not Savings Accounts. For more information/details visit Earnin.com/TOS.

6Up to two days early is based on comparison with traditional banks. Exact timing is dependent on your employer’s payroll policies. For more information on eligibility and requirements of Earnin Express, visit Earnin.com/TOS.

7Your Max on Earnin Express is up to 80% of your payroll or $1000, whichever is less. The 80% is dependent on you routing your full paycheck to Earnin Express. For more information on eligibility and requirements of Earnin Express, visit Earnin.com/TOS.

8Learn how we collect and use your information by visiting our Privacy Policy.

1Disclaimer: Restrictions and/or third party fees may apply, see Earnin.com/TOS for more details. Lightning Speed may not be available to all Community Members. Cash Outs may take up to thirty minutes, actual transfer speeds will depend on your bank connection.

2Disclaimer: Lightning Speed may not be available to all Community Members. Cash Outs may take up to thirty minutes, actual transfer speeds will depend on your bank connection. Restrictions and/or third party fees may apply, see Earnin.com/TOS for details

3Disclaimer: Community Member must have had at least 1 successful debit with Earnin. Limit to 1 Max Boost per pay period. A boost will not adjust a Community member's daily max. Restrictions may apply, see Earnin.com/TOS for more details

*Disclaimer: Balance Shield Cash Out is subject to your available earnings and daily pay period max.Other restrictions and/or thirdparty fees may apply. For more information visit Earnin.com/TOS

1Restrictions may apply, see Earnin.com/TOS for more details. Tip Yourself Account funds are held with Evolve Bank & Trust, member FDIC and FDIC insured up to $250,000. Tip Yourself is a 0% Annual Percentage Yield and $0 monthly fee service. Your Tip Yourself Account and any Tip Jars are not Savings Accounts. For more information/details visit Earnin.com/TOS

2Disclaimer: NO PURCHASE NECESSARY TO ENTER OR WIN. Must be 18 years of age or older and a legal resident of the U.S. or DC. Games begin each Sunday starting 12/6/20 at 9:01 p.m. ET and end the following Monday at 9:00 p.m. ET with the last Game ending 12/19/21. To download the App, view the Official Rules, odds disclosures, prize details, and alternate means of entry, visit https://www.Earnin.com/wewin/game-rules/. Void where prohibited. $10,000,000 grand prize payable over 29 years. Sponsor: Activehours, Inc. (d/b/a Earnin), 200 Portage Ave, Palo Alto, CA 94306.

3Disclaimer: Restrictions Apply. See Earnin.com/wewin/pool-rules/ for more information

*Disclaimer: Up to 2 days early is based on comparison with traditional banks. Exact timing is dependent on your employer's payroll policies. For more information on eligibility and requirements of Earnin Express, visit Earnin.com/TOS.

**Disclaimer: Restrictions and/or third party fees may apply, see Earnin.com/TOS for more details. Lightning Speed may not be available to all Community Members. Cash Outs may take up to thirty minutes, actual transfer speeds will depend on your bank connection.

*Survey conducted in February 2020 with 889 participants.

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