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People of Earnin: Dalia Raya

December 16, 2020

Typically, being a new college graduate can be tough, but not for Dalia. Fresh out of college, she’s ready to tackle her career goals as well as her financial goals head on. Follow along as she shares her career aspirations and tells the story of how Earnin helped her purchase her little puppy! Here’s her story:

“I just turned 23 and graduated just a bit ago from Indiana University Bloomington with a speech and hearing degree. Now I’m working with autistic people in Indiana. I would say I'm stable financially. I think I'm doing much better than most fresh out of college, but besides being stable, I want to be more on top of my finances. I’ve recently acquired a hand at budgeting since my aunt is an accountant and she's taught me more about how to budget my money for current and future situations because things happen all the time.

I'm also working on my savings and learning how to budget for my five-year plan. Within the next five years, I'm hoping to work my way up the chain, maybe acquire another degree, and elevate my status within my company. I want to stay with the company for a little while so I can build up more of my resume and my CV for my career. In terms of finances, I'm just hoping to build my savings account and maybe relocate to a different area for my job, and build up my home life better. I'm originally from the Chicago area so I've been thinking of moving back. I just love the city and I kind of miss it. That's what I've been working towards. Now that I'm out of college, I'm not living in a dorm and I want to get my house settled so that requires lots of budgeting as well.

Outside of work, I’m a very hands-on person, so I like to stay busy. I do lots of painting, I read lots of books, and I recently got a dog, a beagle and corgi mix. Getting a dog has taught me a lot about finances. I've learned that dogs are very expensive and it’s definitely fantastic to plan ahead. I'm glad that I recently learned how to budget prior to getting him but it was a very last minute decision. The person that I got my dog from told me the puppies were in high demand but I didn't know how I was going to get the money to get him right away. But I was like, “There's no way I'm passing up this pup. I really, really want this dog.”

So me and my roommate were hanging out in my room and I told him about this dog that I really wanted to get. I used to be a server and in serving, you get your money the same day. Besides serving, there's really no way for that to happen and there's definitely no way that I’d want to go back to a serving job after having settled into my career. So, I was thinking out loud and I asked, “How do I get access to this money without going back to serving?” That's when he had a light bulb moment and he referred me to Earnin. He said that Earnin gave him access to his funds sooner so I downloaded Earnin, and that’s exactly how I paid for my dog. I wasn’t too far off financially, so Earnin literally could not have come at a better time. It was awesome.”

We love hearing and sharing our community members’ stories! Our goal is to help you get to a better place financially because we want to see you succeed! Share your story with us 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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