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People of Earnin: Donald Williams

June 9, 2021

Donald Williams knows what it means to be a great father. He’s had to work hard and make some sacrifices to provide for his wife and 4-year-old son, but he knows he wouldn’t trade it for the world. Hear his feelings on being the main breadwinner of the family, his initial thoughts on Earnin, and his future financial goals:

“My name is Donald Williams and I'm 42 years old. I work for a school district here in North Little Rock, Arkansas as a bookkeeper. I'm married and I have a son who just turned four years old, so I’m excited about that and excited to see where he'll be going in life, trying to shape and mold him. I’m just at a great point in my life, enjoying what life has to offer. We’re just taking it one day at a time, especially with the situation we're in right now, as far as the pandemic goes.

My wife’s a stay at home mom. Before we got married, we had a conversation about whether she would come off the workforce or would she continue to work. I tell you, the closer and closer that baby got the more expensive it seemed. I was like, “I don't know if I want you to do that or not but it's a little hard out here.” I think about the days of old where with my stepfather, who had a pretty big family, there were 16 of them and it was their mother, my grandmother, that took care of all of them. I'm like, how in the world with their income versus what we have now did they make it?! It's mind blowing to see how expensive things are now, but it's the same planet.

In today's society, it's almost impossible for you to just have just one income. It's almost like if only one person is working, they have to take up another job to even make ends meet. It's rough out here, but we've made it. We've managed, and I thank God for it. You learn to manage, and you learn to continue to push forward. You learn to do without. That's one of the things that I find myself saying like, “If it means my son having it and me not having it, I rather him have it.” It’s the same way for my wife. If it's not me having it, let them have it. It's all good.

When I first heard about Earnin, I was like, “Yeah, another ploy to get people's money.” But one day, I don't know if it was a commercial on TV or if it was something that I saw on the internet, but I found myself in a position where I did need money and I wasn't getting paid for a second. So I was like, “All right, let's try this thing out. Let's see if this really works” so I did it. I don't know how much I got the first time, but it was just a little bit and they sent me the money and they sent it quickly. It wasn't a thing where I had to wait and on top of that, it worked along with my payroll. It changed my perspective over that time after using it and I've been using it for a while. I usually use it after I've paid the bills and I need some groceries at the house. Having a four year old, he likes to eat so it's been helpful in that aspect, just getting little things.

I have some goals and some things I’ve invested in like a 403B plan. I'm just trying to be diversified and I’m still learning more. I don't want to put all my eggs in one basket. I’m also saving on the side, trying to hide money from myself, different things of that nature. We have two vehicles, one is paid for, and the other one is about to be finished so I can see the light at the end of the tunnel. I just gotta keep pushing, keep grinding to try and get those things taken off so you can free yourself up to be able to do more as far as meeting those financial goals for your future. After I do that, I want to try to take that money and put it towards the house because, actually, my wife wants another house so once we get ourselves freed up, we can move forward and do that. That’s what I’m shooting for.

Before we had our son, we got to go out and travel a little bit. Me being the only one working in the house, um, you know, uh, that's, that's the thing that I want to do, you know, looking forward to that time that we can enjoy what God has created. It's an enjoyment for us and to do those things, you need to make sacrifices. I’m also working on retirement and trying to get those things in place. Also need to look down the road for the future and make sure that my son will be taken care of whenever he goes to school.”

Check out the rest of our People of Earnin blogs! We love elevating our community members’ stories. If you have a story to tell, send us an email at stories@earnin.com!

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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