In an era of rising inflation, nearly half of Americans find themselves living paycheck-to-paycheck, navigating financial stress and uncertainty.

This episode–which is sponsored by EarnIn–takes a closer look at an innovative solution providing workers realtime access to their paychecks before payday.

Mosheh sits down with Ram Palaniappan, CEO of EarnIn—a company revolutionizing personal finance with wage access. Ram shares insights into the origins of the company and how EarnIn works.

We also delve into the historical roots of the biweekly payroll system, tracing its centuries-old origins. From outdated ID systems to America’s lagging real-time payment infrastructure, we also explore why these antiquated practices persist despite decades of technological advancement.

To explore what millions are discovering with EarnIn at www.mo.news/earnin*

*EarnIn is not a bank. Access limits depend on your earnings and risk factors. Services are available in select states, subject to terms and restrictions. Expedited transfers are available for a fee. Tips go to EarnIn and do not affect service quality or availability. Visit earnin.com for details.

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Mosheh Oinounou (@mosheh) is an Emmy and Murrow award-winning journalist. He has 20 years of experience at networks including Fox News, Bloomberg Television and CBS News, where he was the executive producer of the CBS Evening News and launched the network's 24 hour news channel. He founded the @mosheh Instagram news account in 2020 and the Mo News podcast and newsletter in 2022.

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EP 129: Breaking the Paycheck Cycle: Exploring Immediate Access To Your Paycheck