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People of Earnin: Andria Young

September 16, 2021

My Life Philosophy

I have a habit of taking in young people - specifically, young people who have found themselves without a home for some reason or another. Often they have been a friend of either my son or my daughter. I may not have a whole lot more to offer, but I can give someone a place to lay their head so they're not on the street. I'm happy to share whatever I have. So I have a few children from those incidents who decided that I was Mama and they were not ever going to leave me.

I'm a person who believes that any and everything that we deal with in life, can be used as an opportunity to help others. Once we progress from point A to point B to point C to point D, we can take that information, educate others, and bring others forward. It's one of the things that I really love about Earnin because it kind of fits into that pay it forward philosophy that I embrace and try to live.

Progress Isn’t a Straight Line

I was married and my then-husband deserted us. At that point, I was working on my MBA when everything happened so I was trying to finish that, being in school full time, then out looking for a job and all these other things. I found myself dealing with foreclosure and all kinds of debt that wasn't mine. I had to figure out how to survive with just my salary. We basically lost everything.

Eventually, I found a job in Pennsylvania. I had been promoted and my salary was right where I finally thought I was going to be able to dig myself out. But then, I had this really bad thing happen between myself and my supervisor. I’m one of those people who has no problem accepting responsibility for my actions, and I didn't handle it well. I ended up demoted, which meant I lost all that ground that I had gained financially. So I found myself, again, trying to dig out, but from that diminished place of my salary.

Now, I’m an administrative assistant. I work at a university, and I worked directly with the Dean of one of the colleges on campus. I love my work. I get to be around young, adult people and that's my group, they're the ones that I gravitate toward. They are very easy to be around, to be with, to serve, and to connect with.

I Paid Off a Debt!

Last time I looked, I was over $7k in debt. Right now, I’m making small payments to about five of my debts, and I'm happy to report that I paid one of them off on Friday! That one was over $1k dollars. I'm really excited because this is the first time I said it out loud. I literally confirmed it earlier today, overjoyed. I was calling to find out what date I would end up making my last payment and the person said I already made my last payment!

Earnin

Before Earnin, I had borrowed so much money just trying to keep myself going. When I first heard about Earnin, I thought that it sounded too good to be true. After I tried it, I was like, “Well, it really was too good to be true, but it actually was great.” And of course, I loved having the opportunity to add a tip amount to pay it forward to other people so that they're able to benefit from Earnin as well.

Changing My Financial Habits

In terms of where I’m at right now, I’m making some concrete decisions on how to go about changing my current financial situation and improving it for the future, so not just focusing on what I need to do right now, but also focusing on what habits I need to form and maintain so that my future is much more solid, progressive, and provides me with opportunities to do more things like helping others.

My big financial goal right now is to pay off my debt and own a home. To me, paying off the debt gets me to the place where my credit score starts improving. I'm pushing to have that done by the end of 2021. That's my goal.

I have two credit cards that are part of the debt that I'm paying off. When I first allowed myself to use credit cards, I was out of control, so now I don't really use them. For me, it wasn’t good to have that kind of access to that amount of money. One of the cards is a closed account and I'm just paying the debt. The other is still open. That one I intend to keep because it's all part of teaching myself to do things differently moving forward.

The next piece is getting my credit score to the point where I can get a mortgage. I'd like to buy some land and do some things like farming, things that would be good for the earth and make my contribution to life as we know it.

To me, being in a stable, progressive place means no debt other than the normal, monthly household bills and being able to pay things on time, not having to rob Peter to pay Paul. It also means being able to give to other organizations who help others, also being able to pursue the next degree for me and do so without debt AND also, at some point, to start a nonprofit. That's what that looks like for me. I feel like those things would position me to leave a legacy for my children, my grandchildren, and my great grandchildren.

1Earnin does not charge hidden fees for use of its services. Restrictions and/or third party fees may apply. For more info visit earnin.com/TOS.

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.

3Disclaimer: 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.

4Source: 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.

1Fees may apply to use Lightning Speed. 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.

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.

4Tip Yourself Account funds are held with Evolve Bank & Trust, Member FDIC and are insured by the FDIC up to the standard maximum deposit insurance amount per depositor, per FDIC-insured bank, and per ownership category. Tip Yourself is a 0% Annual Percentage Yield and $0 monthly fee service. Other restrictions and/or third party fees may apply. For more information/details visit earnin.com/tos.

5Up 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.

6Your 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.

7Learn 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.

7Learn how we collect and use your information by visiting our Privacy Policy.

1. Earnin does not charge hidden fees for use of its services. Restrictions and/or third party fees may apply. For more info visit earnin.com/TOS.

1. Disclaimer: Earnin does not charge hidden fees for use of its services. Restrictions and/or third party fees may apply. For more info visit earnin.com/TOS.
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