Imagine a payroll system that lets you access your money as soon as you've earned it, instead of having to wait every two weeks for something that is already yours. EarnIn, a platform innovated by Ram Palaniappan, does exactly that. Hear more on the NGPF podcast.

Ram Palaniappan, Founder of EarnIn

Ram Palaniappan has transformed the way people access their wages with the creation of his platform, EarnIn, which allows workers to receive their pay as soon as they earn it, challenging the conventional bi-weekly pay cycle that can often lead to financial strain.

"There's nothing else in our life that is important to us that runs every two weeks," Ram points out, highlighting the absurdity of traditional pay systems twe have become so used to.

"Imagine if Google said, give me all of your search queries and every two weeks I'll give you the results. You'd never use Google...”

By allowing immediate access to earned wages, EarnIn provides a vital financial lifeline that reduces the need for payday loans and the potential strain that comes with it. For educators and others on monthly or bi-weekly schedules, EarnIn is an essential tool for managing cash flow and avoiding financial pitfalls.

Listen to the podcast episode with Ram.

Also Check Out: Teng Yang, Director of College Access and Success

Teng Yang, an Assistant Director of College Access and Success at Democracy Prep Public Schools. Teng shares his remarkable journey from a refugee camp in Thailand to influencing the landscape of higher education access in the U.S. Through his unique perspective as a former college admissions evaluator and a Brown University alum, Teng discusses educational equity and his dedication to reshaping how higher education access is granted to underrepresented communities.

Listen to the podcast episode with Teng. 

Join us for tonight's live event: Top 10 Financial Rules for Young People with Don Berkman

You can catch this week’s live Speaker Series featuring Don Berkman tonight at 4pm PT / 7pm ET.  Don has educated over 1000 young people on the skills of personal finance. His Top 10 Rules of Thumb are an easy to digest format for young people to get off to the best start possible as they move into the world of financial responsibility.

Register for the Speaker Series with Don here.

About the Author

Anton Ivanushkin

Anton is a student at UC San Diego. He is majoring in Cognitive Science with a specialization in Machine Learning and Neural Computation. Anton has been interning at NGPF since May 2023. He helps with video editing, podcast editing, and many other tasks.

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