> She says she's often "desperate" around the end of the month Depends on the definition of "often." If she's desperate at the end of the month 60, 70, or 80%

> She says she's often "desperate" around the end of the month Depends on the definition of "often." If she's desperate at the end of the month 60, 70, or 80% of the time, you're clearly right. If she's desperate 40, 30, or 20% of the time, then I'd say she might be the perfect user that Even should try to attract. (As long as the extra $156 a year doesn't push her over 50.0% of the time!) > What happens if I have a surplus in my Even account (which the article says is kept in a savings account), and I run into a huge unexpected expense? What are my options for tapping into that surplus? From their FAQ: > Can I withdraw the money I've saved with Even? Yes, of course. It's your money. You can withdraw your Even savings by talking to your Evener in our app.