"Within the limits of their earned pay, people could pull forward part of their paycheck today, reducing what they received on their later payday."
The CFPB's 2024 report documents earned wage access products that allow workers to receive portions of accrued or estimated earnings before their scheduled payday, with the advance repaid or deducted from their following paycheck. This provides a real-world financial mechanism underlying the adjustable salary arrangements imagined in the chapter.
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