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On-demand pay: What’s savings got to do with it? — Part 2

This is the second post in a series that explores why any tool to improve employee financial resilience must include proven ways to save.

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Featured stories

A blue PayPal logo against a white background on the left, and a white Even logo against a blue background on the right.

PayPal partners with Even

Even will provide new tools to improve the financial health of PayPal's workforce.

The CoxHealth logo on the left against a dark blue background, and the Even logo on the right against a lighter blue background.

Taking care of patients by taking care of employees

How CoxHealth helps its workforce stay focused on patient care with responsible earned wage access.

Seven different-colored arrows converging into one single arrow pointing in a single direction.

The secret to driving high adoption of employee benefits

The marketing strategies to build trust, generate demand, and leverage your brand that will lead to success.

Four stills from TED Talks featuring the images of the speakers: Janet Stovall, Michael C. Bush, Dan Schulman, and Simon Sinek

4 TED Talks every forward-thinking employer and business leader should watch

Innovative and inspiring thinking from experts on diversity, leadership, financial wellness, and employee engagement.

A bar graph with the bars growing taller from left to right. The bars are filled with shopping carts, cars, graduation caps, and houses.

Saving money is hard, but Even members are getting it done

Experts agree that having short-term savings is critical to financial stability. Here’s how we’re helping our members save.

The numbers one, two, three, four, five, six, and seven, each one filled in with the design of various denominations of U.S. paper currency.

7 things you’re getting wrong about your employees’ finances

Common misconceptions about saving, budgeting, and financial stress could be hurting your workers.

Three colorful circles against an orange background. The circles contain a listening ear, a hammer and wrench, a hand with a key, and two speech bubbles, respectively.

4 steps for employers to build employee financial security

Advice for employers from an expert on savings strategies, policy, and priorities for financially vulnerable consumers.

An abstracted topographical map with a dotted red line making its way through a path.

Earned wage access: a guide to getting it right

Get the new guide that will help you understand, evaluate, and choose the most responsible EWA solution for your workforce and your business.

A silhouette of a person's head, with the brain area filled with envelopes containing money

Why saving money is hard, even when we really want to

Aspects of our psychology make saving difficult, but that doesn’t mean there aren’t ways to make it easier.

credit cards on a hook

The dangers of viewing credit cards as an alternative to emergency savings

In an emergency credit cards are better than nothing — but they can carry high risks.

A balanced seesaw with one orange sphere on the left, and three blue spheres on the right, against a red background.

Why we unsubscribe our own paying users every month

Relying on traditional subscription tactics won’t help us build a useful service for our members.

An archery target with three arrows on the ground in front of it, and one arrow in the bullseye.

Not all earned wage access products are created equal

Small differences between EWA providers can have big impacts on your employees.

A mountaintop with rows of pine trees against a canary yellow background.

To build responsible earned wage access, the mission must come first

Our approach to building an EWA product that prioritizes long-term outcomes over short-term gains.

A blue abstracted iceberg made up of different shapes, with a large reflection of the iceberg on the water's surface

Those hit hardest by Coronavirus need more than emergency fixes

Temporary pandemic remedies can lead us to long-term solutions for America’s working class.

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various pie charts making a pattern

Earned Wage Access & Financial Wellness

On-demand pay: What’s savings got to do with it? — Part 2

This is the second post in a series that explores why any tool to improve employee financial resilience must include proven ways to save.

Read now
David Baga

Inside Even

A new chapter for Even

Introducing David Baga.

Read now
various pie charts making a pattern

Earned Wage Access & Financial Wellness

On-demand pay: What’s savings got to do with it? — Part 1

This is the first post in a series that explores why any tool to improve employee financial resilience must include proven ways to save.

Read now
Arianna Huffington

Financial Wellness & Employer Brand

Smart shifts your company can make to reduce employee stress

Timely employee wellness insights from Thrive Global CEO Arianna Huffington and Even CEO Jon Schlossberg.

Read now
Noodles and Co employees with Even logo and Noodles and Co logo

Financial Wellness & Inside Even

Case study: Noodles & Co.

How Noodles & Co. used Even’s responsible on-demand pay platform to improve employee financial health, loyalty, and retention

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Financial Health Network partnering with Even

Financial Wellness & Inside Even

Financial Health Network and Even: Research to increase savings with Even

Can slight tweaks to our app make a big difference in member savings?

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shaking hands

Earned Wage Access

Consumer Financial Protection Bureau (CFPB) advisory opinion

The Consumer Financial Protection Bureau (CFPB) issued an opinion in which they noted the important role that earned wage access can play.

Read now
A blue PayPal logo against a white background on the left, and a white Even logo against a blue background on the right.

Earned Wage Access & Inside Even

PayPal partners with Even

Even will provide new tools to improve the financial health of PayPal's workforce.

Read now
Graphic of a heart, made up of several lines connected by dots.

Inside Even

To move the needle on financial wellness, start with the truth

How Even’s culture of research and experimentation drives our business and product design.

Read now
The CoxHealth logo on the left against a dark blue background, and the Even logo on the right against a lighter blue background.

Earned Wage Access

Taking care of patients by taking care of employees

How CoxHealth helps its workforce stay focused on patient care with responsible earned wage access.

Read now
Seven different-colored arrows converging into one single arrow pointing in a single direction.

Employer Brand

The secret to driving high adoption of employee benefits

The marketing strategies to build trust, generate demand, and leverage your brand that will lead to success.

Read now
A colorful illustration of a computer chip with various lines and circuits in hot pink, white, and yellow, against a black background

Earned Wage Access & Inside Even

How Even keeps earned wage access secure for everyone

How we combine culture, automation, and key partnerships to keep employer and employee data safe.

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A trail leading up a mountain, with a flag that says "Payday" at the top of the mountain.

Earned Wage Access

What is earned wage access?

Also known as EWA and on-demand pay, this benefit can be a powerful financial wellness solution for employees when offered responsibly.

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Employer Brand

Does your corporate culture need to evolve?

Four tips from leaders at PepsiCo, CVS, and Sodexo on helping your employees navigate uncertainty and stress.

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Four stills from TED Talks featuring the images of the speakers: Janet Stovall, Michael C. Bush, Dan Schulman, and Simon Sinek

Employer Brand

4 TED Talks every forward-thinking employer and business leader should watch

Innovative and inspiring thinking from experts on diversity, leadership, financial wellness, and employee engagement.

Read now
A bar graph with the bars growing taller from left to right. The bars are filled with shopping carts, cars, graduation caps, and houses.

Financial Wellness

Saving money is hard, but Even members are getting it done

Experts agree that having short-term savings is critical to financial stability. Here’s how we’re helping our members save.

Read now
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Inside Even

How fintechs can navigate regulatory ambiguity

Tips for innovating in financial services where guidance is limited, ambiguous, or both.

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Inside Even

Keeping the learning going no matter what

The story of how one Evener and his wife researched, built, and are running a “learning pod” in their community during the pandemic.

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Inside Even

5 responsibilities of an interviewer

When building your interview practices, remember to think like a candidate.

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Earned Wage Access & Inside Even

Even makes CB Insights’ Fintech 250 list of fastest-growing fintech startups

Even's responsible EWA solution, which helps employers do right by their people, was listed in the "payroll and benefits" category.

Read now
The numbers one, two, three, four, five, six, and seven, each one filled in with the design of various denominations of U.S. paper currency.

Financial Wellness

7 things you’re getting wrong about your employees’ finances

Common misconceptions about saving, budgeting, and financial stress could be hurting your workers.

Read now
A dollar sign, percent sign, cent sign, and check mark, all filled in with a floral design.

Earned Wage Access

How to help your people when they’re struggling financially (in plain English)

A simplified look at where employee financial insecurity comes from, and how you can help.

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Two hands holding a blue box with various colored squares, triangles, and stars floating into the box.

Earned Wage Access

Are your employees paying too much to manage their finances?

By choosing the right financial wellness benefit, you could save your workers almost $600 per year.

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A collage of black-and-white eyes, triangles, magnifying glasses, and keys, with one bright red heart in the lower left-hand corner.

Inside Even

Why do people trust Even?

6 ways we use design to build two-way trust into the Even app.

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Financial Wellness

How payday loans are quietly eating away at your bottom line

Financially stressed workers are payday lenders’ bread and butter. Their gain is your loss.

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Inside Even

How we interview engineers

The tradeoffs we make, and why we make them.

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Three colorful circles against an orange background. The circles contain a listening ear, a hammer and wrench, a hand with a key, and two speech bubbles, respectively.

Financial Wellness

4 steps for employers to build employee financial security

Advice for employers from an expert on savings strategies, policy, and priorities for financially vulnerable consumers.

Read now
An abstracted topographical map with a dotted red line making its way through a path.

Earned Wage Access

Earned wage access: a guide to getting it right

Get the new guide that will help you understand, evaluate, and choose the most responsible EWA solution for your workforce and your business.

Read now
A window on a computer screen with a line of code that says "bazel test"

Inside Even

Testing fast and easy with Bazel

Run 4,200 tests on every change with this one simple command.

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A silhouette of a person's head, with the brain area filled with envelopes containing money

Financial Wellness

Why saving money is hard, even when we really want to

Aspects of our psychology make saving difficult, but that doesn’t mean there aren’t ways to make it easier.

Read now
An illustration of a man with a beard and glasses, with artistic renderings of a piggy bank, mathematical signs, and the Even logo.

Inside Even

Optimizing for impact

And why you should, too.

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Bright white star constellations against a dark blue sky

Employer Brand

What does it take to become one of the world’s most admired companies?

A snapshot into how a few of the companies on Fortune’s recent list have become so widely admired.

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Two overlapping speech bubbles, each one comprised of dozens of people standing together in a large group.

Financial Wellness & Employer Brand

How leading employers are taking action on financial wellness and income inequality

Experts from Live Nation, Urban Institute, and LG Electronics explain how to support employees right now.

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credit cards on a hook

Financial Wellness

The dangers of viewing credit cards as an alternative to emergency savings

In an emergency credit cards are better than nothing — but they can carry high risks.

Read now
a person pushing a very large block up a mountain

Earned Wage Access

Choosing responsible earned wage access is more important than ever

Financially vulnerable employees need benefits that are helpful, not harmful.

Read now
On the left, one person struggling to carry multiple rocks on their back. On the right, a group of people helping carry the load.

Earned Wage Access

To help new employees rebuild financially, pay them sooner

Your new hires can’t afford to wait for payroll. Earned wage access gets them what they need faster.

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hiring arrows

Employer Brand

How to get ahead during the great re-hire

To stand out as an employer, offer stand-out benefits that help workers rebuild their lives.

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Employer Brand

Investing in employees’ quality of life is good for your business

Data shows stronger employer brand, consumer sentiment, and overall profits for businesses that put workers first.

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Earned Wage Access

Demystifying earned wage access

Answers to the top questions about earned wage access, straight from an American Payroll Association webinar.

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A series of squares showing logos for The Financial Health Network, BlackRock's Emergency Savings Initiative, Commonwealth, Even, and the Center for Advanced Hindsight Common Cents Lab

Financial Wellness

The hows and whys of helping employees build savings

Core insights from a recent webinar with Financial Health Network, Commonwealth, and Common Cents Lab.

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Two images depicting a path from Point A to point B. One is squiggly and confusing; the other is a clear, straight line.

Earned Wage Access

Should your company build earned wage access in house?

The top three things to understand when considering building your own EWA solution for employees.

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A large oak tree above ground, with the root structure visible below ground

Financial Wellness

To help employees build financial security, start with savings

Experts agree that there can be no financial wellness without a strong foundation of savings.

Read now
A balanced seesaw with one orange sphere on the left, and three blue spheres on the right, against a red background.

Inside Even & Earned Wage Access

Why we unsubscribe our own paying users every month

Relying on traditional subscription tactics won’t help us build a useful service for our members.

Read now
An orange paper airplane weaving its way through, and coming out ahead of, a group of white paper airplanes, against a blue background.

Financial Wellness

What does “financial wellness” mean, and where should you start?

A guide for employers who want to fast-track financial benefits to their workforce.

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A collage of multi-colored trianges (gray, orange, white, black, blue, and green) against a black background.

Employer Brand

How employee benefit expectations are shifting

What will workers be looking for from employers as we navigate COVID-19 together?

Read now
An archery target with three arrows on the ground in front of it, and one arrow in the bullseye.

Earned Wage Access

Not all earned wage access products are created equal

Small differences between EWA providers can have big impacts on your employees.

Read now
A mountaintop with rows of pine trees against a canary yellow background.

Inside Even & Earned Wage Access

To build responsible earned wage access, the mission must come first

Our approach to building an EWA product that prioritizes long-term outcomes over short-term gains.

Read now
A light blue pool of water with five shark fins circling.

Financial Wellness

Why essential workers are turning to payday loans during COVID-19

Offering alternatives to predatory financial products is good for employees, and good for business.

Read now
A blue strip of ocean, with a small black island, and a black and white lighthouse against light blue sky and a white cloud.

Employer Brand & Financial Wellness

How essential businesses are keeping front-line workers financially secure

Beyond being the right thing to do, protecting the well-being of employees during COVID-19 is good business.

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A heavily tangled ball of black lines, with a white line going straight through the middle, against an orange background.

Earned Wage Access

Employers can ease financial uncertainty for workers

Offering a way to access pay faster can take a big weight off of employees’ shoulders during COVID-19.

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Several people helping each other move blocks up a series of large steps.

Employer Brand

From the experts: How to help your employees during COVID-19

Actionable advice from Commonwealth, Financial Health Network, and Common Cents Lab.

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Financial Wellness

When money jars trump 401(k)s

For many, building short-term savings is a more immediate priority than planning for the future.

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A blue abstracted iceberg made up of different shapes, with a large reflection of the iceberg on the water's surface

Inside Even & Employer Brand

Those hit hardest by Coronavirus need more than emergency fixes

Temporary pandemic remedies can lead us to long-term solutions for America’s working class.

Read now
A black square with multiple white lines of different lengths running vertically up and down the square.

Financial Wellness

If you can’t measure it, you can’t manage it

By measuring employee financial health, employers can choose the right solutions — and make sure they’re working.

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People at the tops of abstracted sets of stairs, pouring water from a large watering can on a tree

Inside Even

Privilege and peril in fintech

To make meaningful products, we need to address our blind spots.

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umbrella

Financial Wellness

How do payday loans work?

A deep dive into this financial product that’s harmful to borrowers, and highly lucrative for lenders.

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savings in app

Inside Even & Financial Wellness

Financial wellness means savings

How we’re helping our members save over $21 million — and counting.

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brain

Financial Wellness

Optimizing employee benefits starts with financial wellness

How unchecked financial stress is undermining business’ efforts to keep employees healthy and productive.

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Financial Wellness

Are your employees so stressed they can’t do their jobs?

Employees who struggle financially also struggle to stay focused at work.

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Financial Wellness

The capitalist mission: impossible

Are purpose and profits mutually exclusive?

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guide lines

Financial Wellness

The state of financial wellness — Part 4

Most tools available to your employees aren’t helping — and may actually be holding them back.

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guide lines

Financial Wellness

The state of financial wellness — Part 3

Employees can’t become financially well until they can build savings.

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guide lines

Financial Wellness

The state of financial wellness — Part 2

Employees are getting sick, losing focus, and missing work because they’re consumed by financial stress.

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guide lines

Financial Wellness

The state of financial wellness — Part 1

Rising costs, overwhelming debt, and nowhere to turn: The vast majority of Americans can no longer afford a good life.

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house

Financial Wellness

Everyone deserves their shot at the American Dream

But too few of us have the financial freedom to truly achieve it.

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heavy rock

Financial Wellness

The big costs of a little extra money between paychecks

A roundup of facts about the causes and costs of accessing extra cash before payday, from Even’s podcast, Money Ha Ha

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401k

Financial Wellness

The 401(k) loan epidemic

Why millions of Americans are borrowing from their futures just to make ends meet.

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orbs

Financial Wellness

Making financial wellness measurable

A data-driven approach to finding out where your employees are struggling financially, and how to help.

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wallet

Earned Wage Access

Is on-demand pay the answer to financial stress?

Getting paid early solves short-term cash flow problems — but it’s time to start thinking about the long term.

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mind

Financial Wellness

Most financial wellness programs don’t work

Most financial wellness programs don’t work

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falling

Inside Even

Working on something meaningful

How my quest to work on mental health landed me at a financial wellness startup.

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tightrope

Financial Wellness

Why financial wellness matters

When employees are stressed, business suffers.

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Inside Even

Why Even needs a cultural vocabulary

Words matter because, consciously and unconsciously, they help us quickly draw a unified, sensible picture of a complex world.

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sailing away

Inside Even & Financial Wellness

The new normal

Americans everywhere are struggling. How did we get here — and what do we do next?

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Inside Even

What we value — Part 2

As our company grows, we remember our core values.

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whiteboard

Inside Even

Why Even stopped evening

Pay Protection was a really good... and deeply flawed story.

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Inside Even

Anti-perks

What Even doesn’t want in its office

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earth from voyager

Inside Even

What we value — Part 1

The Voyager 1 space probe shot a photo of earth from a distance of about 3.7 billion miles.

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Inside Even

Balance hacking

Almost all American households have a bank account (FDIC, 2015).

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drawing

Inside Even

When all your money ever says is goodbye

To illustrate the stress our members feel about money, they made some drawings for us.

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Inside Even

Empathy doesn’t scale

But the Even Advisor team is taking a crack at it anyway.

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Inside Even

The road

Yesterday Jon drew something to illustrate what Even needs to do

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picnic

Inside Even

Picnic basket budgeting

Spending’s actually just a disguise worn by the real, upstream villain: bills.

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Inside Even

A seat at the table

The promise that we make to Advisors is simple: we will do all we can to support your growth.

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Inside Even

Utility

V1 app data: A retrospective (Part 3 of 3)

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Inside Even

Retention

V1 app data: A retrospective (Part 2 of 3)

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Inside Even

Acquisition

V1 app data: A retrospective (Part 1 of 3)

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Inside Even

The terrible, horrible, no good, very bad money funnel

The persistent experience when allocating money is scarcity — not just of money, but of information.

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should not be required

Financial Wellness

The salary fallacy

The main problem with the first version of Even boils down to a logical fallacy.

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Inside Even

The money funnel

How we watch our money disappear.

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Inside Even

Value flop

How people think about a "salary"

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Inside Even

We’re bad at being Obi-Wan

When we try to be like Obi-Wan and make people think something other than reality is happening, we’re really bad at it.

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Inside Even

Don’t show me the money

Designing savings in Even v1.

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Inside Even

Spending as the enemy of saving

The ultimate goal of tracking your money is to be able to start saving.

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qf and jon studying up

Inside Even

Make the truth unavoidable

Why we do our research out in the open.

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Inside Even

What is Even?

We are building Even because work has changed, but financial services haven’t.

Read now

Inside Even

Why

Of the 7 billion people on this planet, an incredibly tiny fraction of us have the opportunity required to work on humanity’s hardest problems.

Read now

Inside Even

White picket fence banking

The way banking works today is vastly out of touch with the changing ways that America lives and works.

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© 2020 Even Responsible Finance, Inc.

© 2020 Even Responsible Finance, Inc.