Daylight Sweepstakes Rules

Daylight (“Sweepstakes”) Official Rules










  1. Eligibility. The Sweepstakes is open only to individuals (not groups) who are legal residents and physically located in one (1) of the fifty (50) states in the United States or the District of Columbia and who are at least eighteen (18) years of age (or the age of majority in his or her state of citizenship, whichever is older) as of the date of entry. Employees, representatives, agents, officers and directors of Daylight, any parent companies, and each of their respective affiliates, subsidiaries, advertising and promotion agencies, distributors, sponsors, and other prize suppliers (collectively, the “Sweepstakes Entities”), and each of such employees’, representatives’, agents’, officers’ and/or directors’ immediate family members and/or those living in the same household (whether legally related or not) are not eligible to enter the Sweepstakes or win a prize. For purposes of this Sweepstakes, immediate family members are defined as spouse, partner, parents, legal guardians, in-laws, grandparents, siblings, children and grandchildren, and those living in the same household shall mean people who share the same residence at least three (3) months a year, whether legally related or not. Void where prohibited by law. In addition, you are not eligible to participate or win a prize in this Sweepstakes if you have been involved in the development, production, implementation, and distribution of this Sweepstakes. By participating in the Sweepstakes, each entrant unconditionally accepts and agrees to comply with and abide by these “Official Rules” and the decisions of Daylight, including the interpretation of these Official Rules and its exercise of discretion, which will be final and binding in all respects.
  2. Sweepstakes Period and Entry Periods. The Sweepstakes begins on 10/19/2021 and ends when the winner is chosen on 11/30/2021 23:59pm EST. 
  3. How to Enter. There is one (1) method of entry for this Sweepstakes, as follows:
  1. Primary Method of Entry. To enter the Sweepstakes, during the Sweepstakes Period you must submit a valid email address to join the Daylight waitlist at
  2. Limit of one (1) entry per email address during the Sweepstakes Period will be accepted during the Sweepstakes. Each entrant may participate in the Sweepstakes one time per email address. Entries generated by a script, computer programs, macro, programmed, robotic or other automated means are void and may be disqualified. Entries that are in excess of the stated limits, inappropriate, not responsive to the questions posed, incomplete, illegible, corrupted, damaged, destroyed, forged, false, lost, late or misdirected, deceptive or otherwise not in compliance with the Official Rules may be disqualified from the Sweepstakes at Daylight’s sole and absolute discretion. All materials submitted become the property of Daylight and will not be returned. In the event of a dispute over the identity of an online entrant, entry will be deemed submitted by the registered account holder of the e-mail address associated with the entry for the domain associated with the submitted address, provided that person is eligible. Winners may be required to show proof of being the registered account holder. Registered account holder is defined as the person assigned to an e-mail address by an Internet access provider, on-line service provider or other organization responsible for assigning e-mail addresses. In the event a dispute regarding the identity of the individual who actually submitted an entry cannot be resolved to Daylight’s satisfaction, the affected entry will be deemed ineligible. Daylight’s designated clock will be the official timekeeper for this Sweepstakes. Illegible and/or incomplete entries and entries submitted by entrants who do not meet the eligibility requirements (including all requirements with respect to age and residence) are void. Those who do not follow all of the instructions, provide the required information in their entry, or abide by these Official Rules or other instructions of Daylight may be disqualified. Daylight may run multiple campaigns, contests, sweepstakes or other promotions simultaneously. Entry into one (1) campaign, contest or sweepstakes does not constitute entry into any other.
  1. Winner Selection and Prize Claiming.
  1. Everyone who joins the Daylight waitlist during the Sweepstakes Period, as described in Section 3 (“Entrants” or “entrant”) will be a potential winner of a prize. Daylight will then use RandomPicker to randomly select a winner from Entrants who have joined the Daylight waitlist. One (1) Entrants’ email address will be chosen at random using the previously stated tool to be potential winners of a $2500 cash deposit. The potential winners will be selected on or after 23:59 p.m. EST on 11/30/2021, until 23:59 p.m. EST on 12/10/2021, in accordance with these Official Rules. Daylight will have complete discretion over interpretation of the Official Rules, of administration of the Sweepstakes, and of selection of the winner. Decisions of Daylight as to the selection of the winner will be final. Daylight will contact the potential winner(s) via the email address used to enter the Sweepstakes (the “notification email”). Notification is deemed to have occurred immediately upon Daylight sending the potential winner(s) a notification email. Individual potential winner(s) must respond to Daylight’s notification within 48 hours of the initial attempt to contact a potential winner and failure to respond in the manner and method requested will result in disqualification. The Sweepstakes Entities are not responsible for failure of a potential winner to contact Daylight after being notified that he or she is a potential winner.
  2. Winner may be required to submit a Verification of Eligibility, Liability Release and Publicity Release (collectively, the “Release”) and return it to Daylight in the manner specified in the notification email and within the time period specified in the notification email before being eligible to receive his or her prize. If any potential prize winner fails or refuses to sign and return such Release, or any other document required or requested by Daylight, within the time period required by Daylight or if the prize or prize notification email is returned as rejected, faulty, unclaimed or returned as undeliverable to such potential prize winner, such potential prize winner may be disqualified and an alternate may be selected. Non-compliance shall result in disqualification and award of the prize to an alternate winner. If any potential prize winner is found to be ineligible, or if he or she has not complied with these Official Rules, or if the potential prize winner cannot attend or participate in any portion of the prize, or declines a prize for any reason prior to award, such potential winner may be disqualified and an alternate potential winner may be selected. If, for any reason, more bona fide winners come forward seeking to claim prizes in excess of the number of each type of prize set forth in these Official Rules, the winners, or remaining winners, as the case may be, of the advertised number of prizes available may be selected in a random drawing from among all persons making purportedly valid claims for such prizes. Inclusion in such drawing shall be each entrant’s sole and exclusive remedy under such circumstances. The Sweepstakes Entities are not responsible for and shall not be liable for late, lost, damaged, intercepted, misdirected, or unsuccessful efforts to notify the potential winner.
  1. Odds. Odds of winning will depend upon the total number of eligible entries received.
  2. Prizes and Values. One (1) winner of this Sweepstakes will be awarded a $2500 cash deposit to their Daylight account. Prizes will be delivered to the winner or winners as soon as reasonably practicable, as determined by Daylight in its sole and absolute discretion. Prizes are non-transferable, with no cash redemptions, equivalents or substitutions except at Daylight’s sole and absolute discretion. All prize details not specified in these Official Rules will be determined in Daylight’s sole and absolute discretion. Prize details and availability are subject to change and prize provider’s rules and restrictions. In the event that Daylight is unable to provide the winner with his or her prize, Daylight may elect to provide the winner with the approximate value of such item in cash or award an alternate prize of comparable or greater value. In the event a participant or prize winner engages in behavior that (as determined by Daylight in its sole and absolute discretion) is obnoxious, inappropriate, or threatening, illegal or that is intended to annoy, abuse, threaten or harass any other person, Daylight reserves the right to cancel the Sweepstakes for that participant or winner, and/or not award any prize to that participant or winner, if applicable. All prizes are awarded “AS IS” and without warranty of any kind, express or implied (including, without limitation, any implied warranty of merchantability or fitness for a particular purpose). Prizewinners will be solely responsible for all federal, state and/or local taxes, and for any other fees or costs associated with the prize they receive, regardless of whether they, in whole or in part, are used. Unclaimed prizes will be forfeited. Daylight is not responsible for and will not replace any lost, mutilated, or stolen prizes or any prize that is undeliverable or does not reach the winner because of an incorrect or changed address. If the winner does not accept or use the entire prize, the unaccepted or unused part of the prize will be forfeited and Daylight will have no further obligation with respect to that prize or portion of the prize. No more than the stated prizes will be awarded. The winner is strictly prohibited from selling, auctioning, trading or otherwise transferring any part of the prize. 
  3. Publicity Release.  Subject to applicable law, entrant irrevocably grants to Daylight, and those acting with its authority, the unrestricted, absolute, perpetual, worldwide right and license to use entrant’s name, address (city and state), photograph, likeness, voice, biographical and personal background information, comments, statements, and Sweepstakes entry including both winner’s written and video submissions, if any, and, without limitation, any notes, photograph, film, or video or audio tape that may be taken of entrant, provided by entrant, or of such materials (the foregoing, collectively, the “Content”), without further compensation, consideration, or notice to entrant or to any third party, and to reproduce, copy, modify, create derivative works of, display, perform, exhibit, distribute, transmit or broadcast, publicly or otherwise, or otherwise use and permit to be used the Content or any part thereof, whether alone or in combination with other materials (including but not limited to text, data, images, photographs, illustrations, and graphics, video or audio segments of any nature), in any media or embodiment now known or hereafter developed (including but not limited to any format of any computer-based, internet-based, electronic, magnetic, digital, laser or optical-based media), in connection with any advertising, promotion, publicity, trade, Sweepstakes or promotions, activities, or materials (now known or hereafter developed) in perpetuity. Entrant acknowledges and agrees that he or she shall have no right of approval, no claim to any compensation, and no claim arising out of the use, alteration, or distortion of my name, address, photograph or likeness. Entrants agree not to issue any publicity concerning the Sweepstakes Entities.
  4. Tampering with Sweepstakes.  The Sweepstakes Entities are not responsible for the actions of entrants in connection with the Sweepstakes, including entrants’ attempts to circumvent the Official Rules or otherwise interfere with the administration, security, fairness, integrity, or proper conduct of the Sweepstakes. Persons found tampering with or abusing any aspect of this Sweepstakes, or whom Daylight believes to be causing malfunction, error, disruption, or damage may be disqualified. Additionally, any attempt to cheat the Sweepstakes, as determined at the sole and absolute discretion of Daylight, may result in immediate disqualification of the entrant, as well as other possible consequences, including disqualification from any and all existing and future sweepstakes hosted or sponsored by Daylight. ANY ATTEMPT BY A PERSON TO DAMAGE ANY WEBSITE OR UNDERMINE THE LEGITIMATE OPERATION OF THIS SWEEPSTAKES MAY BE A VIOLATION OF CRIMINAL AND CIVIL LAWS AND SHOULD SUCH AN ATTEMPT BE MADE, SPONSOR RESERVES THE RIGHT TO SEEK ALL LEGAL AND EQUITABLE REMEDIES FROM AND AGAINST ANY SUCH PERSON TO THE FULLEST EXTENT PERMITTED BY LAW. Daylight reserves the right, at its sole and absolute discretion, to disqualify (or terminate the prize of) any individual who is found to be, or suspected of, acting in violation of these Official Rules, or to be acting in an unsportsmanlike, obscene, immoral or disruptive manner, or with the intent to annoy, abuse, threaten or harass any other person.
  5. Suspension / Modification / Termination. In the event Daylight is prevented from continuing with the Sweepstakes by any event beyond its control, including, but not limited to, fire, flood, epidemic, earthquake, explosion, labor dispute or strike, act of God or public enemy, communications or equipment failure, utility or service interruptions, riot or civil disturbance, terrorist threat or activity, war (declared or undeclared), interference with the Sweepstakes by any party, or any federal, state or local government law, order, or regulation, order of any court or jurisdiction, or other cause not reasonably within Daylight’s control (each a “Force Majeure” event or occurrence), Daylight shall have the right to modify, suspend or terminate the Sweepstakes or prize.  Daylight additionally reserves the right, in its sole and absolute discretion: (a) to modify, suspend or terminate the Sweepstakes should causes beyond Daylight’s control corrupt or interfere with the administration, integrity, operation, security or proper play of then Sweepstakes; or (b) to disqualify any entrant found to be, or suspected of: (i) tampering with the entry process or the operation of the Sweepstakes; (ii) acting in violation of these Official Rules; or (iii) acting in an un-sportsmanlike manner.
  6. Waivers, Disclaimers and Releases. By participating in the Sweepstakes, you agree to release, discharge and hold harmless the Sweepstakes Entities, and each of their respective affiliates, directors, officers, employees, agents, successors and assigns (“Released Parties”) from and against any and all claims, liability, costs, losses, damages or injuries of any kind arising out of or related to your participation in the Sweepstakes and/or related to any prize (including, without limitation, losses, damages or injuries to your or any other person’s equipment or other property, or to their persons, related to participation in the Sweepstakes; or arising out of any violation of rights of publicity or privacy, or claims of defamation or portrayal in a false light; or based on any claim of infringement of intellectual property; or from any typographical, human or other error in the printing, offering, selection, operation or announcement of any Sweepstakes activity and/or prize). Without limiting the generality of the foregoing, you agree that the Released Parties: (a) have neither made nor will be in any manner responsible or liable for any warranty, representation or guarantee, express or implied, in fact or in law, in connection with the Sweepstakes and/or with respect to prizes, including, without limitation, to any prize’s quality or fitness for a particular purpose; (b) maintain no control over the personnel, equipment or operation of any air, water or surface carrier, ship line, bus or limousine company, transportation company, hotel, manufacturer or other person or entity furnishing services, products or accommodations (“Suppliers”) as a part of the prizes provided in connection with the Sweepstakes; and (c) will not be responsible or liable for any injury, damage, loss, expense, accident, delay, inconvenience or other irregularity that may be caused or contributed to: (i) by the wrongful, negligent or unauthorized act or omission on the part of the Suppliers or any of their agents, servants, employees or independent contractors, (ii) by any defect in or failure of any vehicle, equipment, instrumentality, service or product that is owned, operated, furnished or otherwise used by any of those Suppliers, (iii) by the wrongful, negligent or unauthorized act or omission on the part of any other person or entity not an employee of the Released Parties, and (iv) by any cause, condition or event whatsoever beyond the control of the Released Parties. You agree that the Released Parties shall have no responsibility or liability for discontinued prizes; human error; incorrect or inaccurate transcription of registration and/or account information; any technical malfunctions of a prize or of the telephone network, computer online system, computer dating mechanism, computer equipment, software, or Internet service provider utilized by Daylight; interruption or inability to access the Internet, or Daylight’s website, or affiliated entities’ respective websites, or any online service via the Internet due to hardware or software compatibility problems; any damage to participant’s (or any third person’s) computer and/or its contents related to or resulting from any part of the Sweepstakes; any lost/delayed data transmissions, omissions, interruptions, viruses, bugs, defects; and/or any other errors or malfunctions, even if caused by the negligence of the Released Parties. You further agrees to indemnify and hold harmless the Released Parties from and against any and all liability resulting or arising from the Sweepstakes and to release all rights to bring any claim, action or proceeding against the Released Parties and hereby acknowledges that the Released Parties have neither made nor are in any manner responsible or liable for any warranty, representation or guarantee, express or implied, in fact or in law, relative to a prize, including express warranties provided exclusively by Suppliers that may be sent along with a prize; this release covers, without limitation, any damage, liability, costs, attorneys’ fees and expenses whatsoever arising directly or indirectly out of the Sweepstakes or my acceptance, use, misuse, utilization, omission or possession of any prize that may be awarded to me in the Sweepstakes, and also includes, without limitation, claims based on personal injury, death, loss of enjoyment, property damage, any claims based on publicity rights, privacy rights, personality rights, “Moral rights,” defamation and any and all taxes levied, assessed or collected or other harm or loss of any nature. The Released Parties are not responsible for the actions of entrants in connection with the Sweepstakes, including entrants’ attempts to circumvent the Official Rules or otherwise interfere with the administration, security, fairness, integrity, or proper conduct of the Sweepstakes. The Released Parties are not responsible for any changes or unavailability of any platform (including, without limitation any email provider) that may interfere with the Sweepstakes (including any limitations, any restrictions, or any conditions on Daylight’s ability to use said platform for the Sweepstakes as set forth herein) or your ability to timely enter, receive notices or communicate with Daylight via said platform, in which case Daylight, in its sole discretion, may terminate or modify the Sweepstakes. You further understand and agree that all rights under Section 1542 of the Civil Code of California (“Section 1542”) and any similar law of any state or territory of the United States that may be applicable with respect to the foregoing release are hereby expressly and forever waived. You acknowledge that Section 1542 provides that: “A GENERAL RELEASE DOES NOT EXTEND TO CLAIMS WHICH THE CREDITOR DOES NOT KNOW OR SUSPECT TO EXIST IN HIS OR HER FAVOR AT THE TIME OF EXECUTING THE RELEASE, WHICH, IF KNOWN BY HIM OR HER MUST HAVE MATERIALLY AFFECTED HIS OR HER SETTLEMENT WITH THE DEBTOR.” The releases hereunder are intended to apply to all claims not known or suspected to exist with the intent of waiving the effect of laws requiring the intent to release future unknown claims.
  7. Entry Information and Sweepstakes Communications. As a condition of entering the Sweepstakes, each entrant gives consent for Daylight to obtain and deliver his or her name, address and other information to third parties and post it on and www., for the purpose fulfilling entrant’s wish to receive the benefits of entering the Sweepstakes, for of advertising and administering the Sweepstakes and to comply with applicable laws, regulations and rules. Any information entrant provides to Daylight may be used to communicate with entrant in relation to this Sweepstakes or to be included in a Sweepstakes winner’s list. We may also use information provided to Daylight to communicate other special offers and promotions that may become available, according to our privacy policy. 
  8. Governing Law; Limitation of Liability. All issues and questions concerning the construction, validity, interpretation and enforceability of these Official Rules or the rights and obligations of entrants, Daylight, or the Released Parties in connection with the Sweepstakes will be governed by and construed in accordance with the internal laws of the laws of the state of New York, without giving effect to any choice of law or conflict of law rules or provisions that would cause the application of any other state’s laws. All claims and disputes arising under or relating to this Agreement are to be settled by the Courts of New York.


  1. List of Sweepstakes Winners/Official Rules Requests.  To receive a list of the winner(s), send an email to within sixty (60) days of expiration of the Sweepstakes Period.  Please indicate which Sweepstakes winners list you are requesting by referencing the name of the Sweepstakes and the expiration of Sweepstakes Period in your request. 
  2. Miscellaneous. The invalidity or unenforceability of any provision of these Official Rules or the Affidavit will not affect the validity or enforceability of any other provision. In the event that any provision of the Official Rules or the Affidavit is determined to be invalid or otherwise unenforceable or illegal, the other provisions will remain in effect and will be construed in accordance with their terms as if the invalid or illegal provision were not contained herein. Daylight’s failure to enforce any term of these Official Rules will not constitute a waiver of that provision. Entrants agree to waive any rights to claim ambiguity of these Official Rules. Headings are solely for convenience of reference and will not be deemed to affect in any manner the meaning or intent of the documents or any provision hereof. In the event there is a discrepancy or inconsistency between disclosures or other statements contained in any Sweepstakes-related materials, Daylight Privacy Policy or Terms of Use on and/or the terms and conditions of the Official Rules, the Official Rules shall prevail, govern and control and the discrepancy will be resolved in Daylight’s sole and absolute discretion.


Daylight News Website

Why you need queer banking

We created Daylight to be the only bank account that rewards LGBTQ+ folks for spending in line with their values. We’re not only designed for LGBTQ+ folks but our chosen families and allies who want to put their money to work for themselves and for the LGBTQ+ community.

Our commitment is to not only provide you with great banking services, but to help you align your spending with your values. That means when you bank with Daylight, you don’t have to worry about accidentally supporting anti-LGBTQ+ or anti-trans initiatives. Chick Fil A anyone?

Doing the right thing is hard, and it’s hard to know who’s with us and who’s against us. Let us help. Here’s why Daylight is better for you, your community and your chosen family.

Better for you

With Daylight you can stop worrying about whether you’re doing the right thing with your spending and with your money. Daylight takes the uncertainty out of queer banking so you can rest assured you’re doing the right thing, every day.

  • Financial education and live coaches that can help you manage your finances better. We offer guides relevant to queer folks, including information on surrogacies, negotiating your salary, paying down debt and finding financing that meets your needs.
  • Each month we’ll send you a personalized spending report  that shows you how queer friendly your shopping is and offers you better alternatives. The more queer friendly you are, the better rewards we’ll offer. Easy. Eat that chicken sandwich without leaving a bad taste in your mouth.
  • Switch your payroll over to Daylight and you could be eligible to get your paycheck 2 days early. Get paid when you want, not when your boss does.
  • Say goodbye to overdraft fees and say hello “Paycheck advance”. Whether you’ve overspent on a fab new outfit this month, or didn’t work as many hours this week, we’ll advance you up to $200 each month to cover essential costs like hormone treatment, healthcare or those Gaga tickets that’ll sell-out before pay day.

Better for your community

Banking with Daylight means supporting queer people – all you need to do is use your Daylight card and we’ll do the rest. Here’s some of the ways using Daylight as your main bank account helps your community.

  • For every eligible customer who signs up before 31 August, we’ll be giving $10 to an LGBTQ+ mutual aid program that gives more than 95% of the donations directly to a queer person in need.
  • Rewards Realness is our cash-back platform for queer businesses. Every time you spend money with a queer business, we’ll give you up to 10% cash back – no vouchers, no codes. Just cash at the end of the month. Good for you, good for queer businesses.
  • Switch on charity round-ups for effortless donations for queer folks in need. Just using your card 20 times a month means you’ll ensure a low-income trans person gets a week worth of hormones. Or you could help a homeless young person get a bed for a night.
  • Get discounts (and donations) when you shop at big retailers. You can get cash-back when using our network of around 10,000 retailers, from Chipotle to DoorDash. And when you do, we’ll also channel 25% of your discount to LGBTQ+ mutual aid funds.

Better for your chosen family

You don’t have to be queer to want to do the right thing. Daylight is great for folks with queer kids, brothers, sisters, parents, cousins and best friends.

When you make Daylight your main bank account, and when you use your Daylight card, you’ll get all of the benefits of a Daylight member while also sleeping a little easier each night, knowing that you’re part of an ecosystem educating and supporting those people you care about.

Here’s some of the causes we’ve supported already

We’re a start-up, which means we’re at the beginning of our journey, but here’s some of the causes we’ve already supported in 2021.

– For the Gworls
– Point of Pride HRT fund
– Edie Windsor Coding Scholarship
– Next Generation Project
– Ali Forney Center

Plus every time a customer makes their 20th transaction, we make a donation to ACT UP to celebrate the heroes that supported our community through the HIV/AIDS crisis.

Where to from here?

Rome wasn’t built in a day, and neither was Daylight. Over the coming months and years we’ll be rolling out more support for our community’s needs, including:

  • Loan products to support transitions and fertility treatment
  • Simplified access to PREP directly within the app
  • A market place of LGBTQ+ friendly products, like health insurance, travel insurance and mortgages.

Get early access to Daylight.  Join the waitlist today.


Welcome to the Daylight Builder Community!

What’s a Daylight Builder? (And do I get a hard hat and a tool belt?) 

As a Daylight Builder, you’re one of the first in a team of superstars that are helping us to build the first digital bank for the LGBT+ community in the USA. 

The Daylight Builder Mantra is this:

“We’re building a safe space for our money that we’re proud of – it’s unapologetically queer and uniquely ours.”

You’ll get plenty of opportunities to input, prioritize features and to try out things before anyone else. We’ll also be offering our Daylight Builders recognition and perks (but the hard hats will have to wait). 

As a bonus for our Daylight Builders your digital card is ready for you to use in the Daylight App to use online and with Apple Pay / Google Pay as soon as you sign up. We’ve also given you a small token of our appreciation (in the form of some free money!) in your account so you don’t have to wait for your ACH top-up to arrive.

What can I expect?

Rome wasn’t built in a day and neither is a digital bank. That means that while we’ve done our best to make sure you’ve got a polished experience, there will inevitably be some features that don’t behave as expected. There are three things we want you to remember:

  1. Your money is always safe – even if your balance is displayed weirdly on the app, our underlying banking platform will always keep track of your money. If something doesn’t seem right let us know and we’ll correct the bug so you’re never out of pocket.
  2. Be picky (but patient) – we’ll be releasing new features and making tweaks weekly and we need to know what you think. The best thing you can do is tell us when things don’t behave as you’d expect, or where we can improve. We’ll be actively tracking your feedback and working our way through the list. The patient part is important too – we’re going to try new things and sometimes we’ll get things wrong. So please be patient while we get things fixed.
  3. Daylight is your canvas – let’s queer it up! – we’re building Daylight our way which means that you get to help us turn our blank canvas into a vibrant, exciting queer space. As a Daylight Builder, you’re in the driving seat. We want to hear your suggestions and priorities for new features and tweaks. Don’t be afraid to ask for things you wouldn’t expect from a traditional bank!

What do I get out of it? 

You’re a Daylight Builder for life! Aside from the bragging rights of helping build the first LGBT+ digital bank in the USA, as we grow, we’ll be offering Builders unique discounts, limited edition Daylight cards, invites to events and recognition directly within the Daylight app. We’ll even be rolling out a Builder badge for your profile (hard hats included). 


Money Stories

Money Stories: T Moore (Quench Finance)

T Moore is the founder of Quench Finance. An androfemme blaq bicoastal writer, social entrepreneur, and activist deeply passionate about promoting diversity, inclusion and equity. She has been published in Womanly, ContemporaryAnd, Black Art in America, RECOGNIZE Design Anthology vol. 1, and Shameless Magazine.

When was the first time you thought about money?

The first time I thought about money was when I received a piggy bank as a child. I enjoyed collecting the change I found around the house and outside while playing.

What was your “aha” moment with money?

There was no big “aha” moment with me. I’m a person of faith (fully affirming) and I’ve been walking in recovery in multiple senses for some years now. I became conscious of wanting to change my habits with money through prayer and learning discipline in other areas of my life.

I grew up with some resources and access to business and real estate environments due to my grandmother’s interests but the day-to-day basics were missing. I could handle investing and making long-term commitments but I lacked the discipline and emotional resources to sustain them in the short term.

So much of this year has been about hitting reset with reapproaching budgeting, working with a coach, and other mindset adjustments.

How has being LGBT+ impacted your relationship with money?

I have grown more comfortable with seeing queer folx in leadership and business roles which in turn enhanced my view of myself. While I succeeded repeatedly, I also failed forward repeatedly.

Seeing and joining entrepreneurship communities that were either LGBT-founded or driven helped stabilize my internal view that as a queer person I was only authorized to succeed in certain ways (creative only). Being able to befriend queer creatives as well as business leaders has expanded my mindset significantly. This gave me more confidence with financial planning. On one hand, I’ve relearned budgeting and personal habits, and on the other hand, I’ve learned about team building and long-term vision.

What are your financial goals for the future?

My goals are to create and sustain a legacy that draws from different areas, including developing and sharing community with other queer folx who often feel (and are) left out of the conversations surrounding life events.

In so many ways, queer folx, even within the wider LGBTQIA+ communities aren’t being considered when it comes to things like insurance, estate planning, partnerships, adoption, and business plans. We’re often too busy surviving brutal forms of capitalism and living underserved experiences.

Favorite LGBT+ business (online or ILR)?

I have had great experiences working with Q26 based here in greater LA. I also really love the Androgynous Fox brand and look forward to purchasing their fantastic gear.

On the faith side, I am an avid user of the OurBibleApp both their queer centric devotionals and curated panels are well worth exploring

Money Stories

Money Stories: Brynna Wilson

Brynna Wilson is a professional wealth creator, real estate investor, entrepreneur, and coach. She is on the board of the Denver based Queer Business Alliance as well as the Jamin Fund.

The Queer Business Alliance is a non profit dedicated to raising the queer community by providing education around business and through mentorship. Brynna leads the membership committee and loves connecting  with business owners in the community. The Jamin Fund is also a non profit started by Brynna’s family in honor of her oldest brother, Jamin Wilson, after his passing in 2006. The Jamin Fund supports education both locally (in Denver) and globally. The Jamin Fund has helped to build schools in Kenya as well as provide education funding in other parts of the world.

Brynna, a Colorado native, enjoys the outdoors, and loves dogs. Her top values are connection, creativity, authenticity, wellness, and adventure. She has a BA from the College of Charleston in South Carolina and constantly seeks out opportunities to learn.

When was the first time you thought about money?

The first time I thought about money was when I was told that I could get paid to pull dandelion flowers out of the grass. It was something small that I can’t remember, maybe 10 cents for a bucket full. I was so excited to find a way to make some money and it worked really well for me because I got to be outside which is still to this day my favorite place to be.

What was your “aha” moment with money?

I think I have had a lot of “aha” moments with money because I am constantly learning new things that work for me. A big “aha” though was realizing we all have a money story that we run over and over again without knowing it. Most money stories are something that we learned or took on as children. After doing some self work I realized that my money story was that I was being over generous so I will fit in with a group. When I was a child, I felt as though I was known as the “rich kid” simply because everyone I went to school with knew about my family’s business and it was successful. I didn’t feel like I fit in so I would get rid of my money, buy things for others in order to fit in and not be an outcast. It’s amazing what can change when you are more aware of why you do what you do. I now know that I can find other ways to have deeper connections with people and I can take control of how I spend my money.

How has being LGBT+ impacted your relationship with money?

The biggest impact for me in regards to being LGBT+ is that I haven’t seen a lot of role models with money in the community. We all have seen the movie stars who have made it but there are not many LGBT+ business owners or successful ones who are also out. We as a community want to see people who have made it to where we want to be. It’s easier to picture yourself as successful in the world of money when you can also see someone who is like you that has achieved it.

What are your financial goals for the future?

I have a lot of financial goals and they change as I grow. As a big picture I want to be that role model that I have been looking to find when it comes to being LGBT+ and being wealthy. I want to be a multi-millionaire so that I can then use the “power” that comes with money to help my own community thrive. I want to see more LGBT+ businesses start and succeed. I want to make sure that nonprofits that help our community get the donations that they need in order to do their best work. I want to be able to have money go towards our fight as a community in the political scene. The best way for these things to happen is for all of us in the community to learn the rules of the game so that we can then use it to our advantage and make more money to support each other.

On a more specific level, one of my goals is to own multiple rental properties. Ideally, a few of these would cater to people in the community that are just starting their own businesses so the rent would fit in their budget as they start out. I was lucky to have support when starting out and I want to be sure that others have the same even if it’s just a safe space to live.

Favorite LGBT+ business (online or ILR)?

I have a lot of LGBT+ businesses I love, particularly businesses that my friends have started and grown. There should be more businesses owned by the LGBT+ community. One of my favorite organizations that supports this is the Queer Business Alliance, a non profit that specializes in mentoring people in the community into starting and sustaining their own businesses so we can have even more! I know it’s important for a lot of people to feel like they have freedom to be their authentic selves including myself. One amazing way for that to happen is to have business owners who can employ people in the LGBT+ community so that they no longer have to worry about losing their jobs just because of who they are.

Money Stories

Money Stories: Nektarios Liolios

Nektarios is Co-Founder of the Future Farm. Over the last 10 years, Nektarios has worked closely with hundreds of entrepreneurs and early-stage businesses. He co-founded Startupbootcamp FinTech to address the relationship between corporates, startups and investors in London, New York, Singapore, Mumbai, Mexico City, Dubai, Amsterdam and Melbourne. He also co-founded Rainmaking Innovation, the global cooperative of entrepreneurs and led SWIFT’s Innotribe Startup Challenge, the first global FinTech startup competition, facilitating interaction between startups and financial institutions. 

Driven by entrepreneurship, collaboration and the desire to improve the lives of the people driving change in this world. Nektarios is a global nomad, travel geek, and sneaker freaker.

When was the first time you thought about money?

As a Greek immigrant child in Germany, the earliest memories of money I have was hearing from my parents that we couldn’t afford to buy something I wanted because there wasn’t enough or because they were saving for something else.

People around me were better off and could afford more and nicer things and it made me very envious. As a young adult this led me to borrow a fair amount of cash from friends for fancy clothes and for going out – but the harsh realization that I would have to pay it back at some point was quite a wake up call.

What was your “aha” moment with money?

I had many aha moments around money:

  • Working in banking I was speechless when I first saw the sums that move around on a daily basis. And how after a while it becomes normal to talk about somebody else’s wealth in hundreds of millions whilst at home you are struggling to pay the mortgage off.
  • A lot of the wealth people I have met knew early on in their lives about money and about what to do to increase their wealth, how to plan for it, how to invest, etc. In my upbringing, having a savings account was considered an achievement…
  • When I started my own business I found out that it is ok to be paid for something that is so rewarding that it doesn’t feel like work 🙂

How has being LGBT+ impacted your relationship with money?

Whilst taking out my first mortgage in the late 90s I found out that as a gay man my access to mortgage products was very limited and they were more expensive. I was considered a higher risk because of my sexuality and some lifestyle assumptions. The fact that I was with my partner for 12 years by that time didn’t come into play at all. In the eyes of the bank and the insurance company I was a single man in his early 30s.

What are your financial goals for the future?

At 53, my main goals are around how to retire comfortably, making sure I don’t leave any ‘loose ends’ behind and there is a buffer to help family and/or friends in need if required.

How did you first get involved with Daylight?

I retired from my fintech life at the end of 2018. Six months later at Money 2020 I had a causal chat with Matej who was an old industry friend and we started discussing how great the world would be if banks would understand the distinct needs of a community and build their offering around those needs. Matej talking me into coming out of my retirement and join him in building a platform that, like a midwife, helps bring these new community banks to life. Both of us being LGBT we had a particular affinity for our own community of course.

Favorite LGBT+ business (online or ILR)?

I like supporting the LGBT businesses that are local to me, like Shirleys Removals. But there is also: Happy Endings. Ice cream always wins in the end!

Money Stories

Money Stories: Brooklyn Wright (Boi Society)

Brooklyn Wright (they/them) is an entrepreneur, speaker, strategist, and advocate for underestimated communities. For over 20 years, they have used the power of community, storytelling, and event curation to help top organizations engage with diverse audiences. Forbes magazine named Brooklyn “One of 5 entrepreneurs changing our world, after they amassed a global audience with content that spoke directly to the LGBTQ community. Brooklyn is an advocate for living a more authentic life and encourages all queer and intersectional people to invest in themselves and in their financial future.

When was the first time you thought about money?

I have thought about money all throughout my life. At the age of 7, I started my first business. I created a popcorn and koolaid stand to service all of the hungry children in the neighborhood. I don’t know what made me desire money at that time or if money was the main motivation, but I guess even at a young age I understood that access to money would make a difference. I also really liked the art of business and I understood that money played a big role in entrepreneurship.

What was your “aha” moment with money?

When I was 17 or 18 I was a big fan of the book Rich Dad, Poor Dad by Robert Kiyosaki. Robert was the first person to teach me the concept of “paying yourself first. The book taught me to save at least 10% of every single dollar I made. The key was to save that 10% before paying anyone else. This discipline was so key to my development and it really shaped my financial future. It taught me to invest in myself before investing in anyone else. The 10% I saved repeatedly over the last 2 decades has been used to start and invest in my businesses, it saved my family financially when I was in a motorcycle accident and needed 2 years to recover, and now it is used as part of my investment fund as we plan the purchase of our first investment property and invest in queer and black women business owners.

Over the years I have learned that financial freedom is not magic. It is merely a set of principles one lives by and those principles shapes one’s future.

How has being LGBT+ impacted your relationship with money?

My identity is so intersectional and it all affects my relationship to money. I am a black, queer, nonbinary woman, which means I live in a category of society that typically makes less money, and has fewer opportunities for financial freedom. We are hired less, paid less, and not usually invited to the investment table. All of that has a huge impact on my relationship with money as well as my financial future.

These facts have impacted me to make it part of my mission to push financial literacy with my friends, my community and my loved ones. Talking about money and investing together are just a couple steps my community and colleagues are taking to ensure positive financial outlook for all of us. Together we are attempting to lift all boats. We need banks and financial services that understand our unique perspective and are willing to partner with us to accomplish our financial goals.

What are your financial goals for the future?

Currently my family and I are planning for our early retirement. We are acquiring income generating assets (assets that provide cashflow). We are very interested in developing land spaces and investing in black and women owned businesses. We are also really looking at our philanthropy. We are extremely committed to giving away 10% of our time, talent, and treasure. We know how hard it is for intersectional people to raise money and grow a business or an idea. We want to be early investors in companies with a proven track record and ones we think have the potential to make a huge impact on underestimated communities.

Favorite LGBT+ business (online or ILR)?

I am constantly rooting for black queer businesses so shoutout to the following:
Haute Butch
Good Tree Capital
Zafa Wines
Queen Hippy Gypsy
Magnitude and Bond
Style is Freedom
Project Q
Stuzo Clothing
BLK MKT Vintage
Queer In Oakland
Crazy Plant Bae
Chisel Tech Lab

Want to be featured in Money Stories? Email me at

Team Spotlight

Team Spotlight: Ethan Teng – Product Lead

Ethan is the Product Lead at Daylight. He studied Computer Science at Stanford and has worked in both tech and non-profits for the past 20 years. He was most recently the Head of Growth at Recurly where he helped lead the company to a successful acquisition. He’s thrilled to join the Daylight team and combine his work experience in Product and Growth with his lived experience as a gay, immigrant, Chinese-American to build the first digital banking platform for the LGBT+ community.

What steps led you to Daylight?

It’s all thanks to Billie and Out in Tech! I was just starting to consider changing jobs after my last company got acquired when I happened to stumble upon a job posting Billie had shared in the Out in Tech Slack community, saying Daylight was looking for a Product Manager. It was the first time I had logged into that Slack in months, and Billie’s post just happened to be the first one I saw. To whatever cosmic forces were at work that day, I’m forever grateful!

When was the first time you thought about money?

My family was quite poor when we first immigrated from Taiwan to a cramped studio apartment in Dallas, TX. One of my first memories as a child in the US was sitting with my parents around a cardboard box that served as our dining room table, eating a homemade cake for my birthday. But, no matter what our financial situation was, my parents worked hard to raise me in an environment where I never had to worry about money. I only appreciate now as an adult how stressful it must have been for them, but they did an incredible job; I never wanted for anything growing up. For my parents, their priority was that I do well in school and get into a good college; they would take care of everything else. So, I never really thought about money till I graduated college and had to pay my own bills — including $100K in student loan debt — for the first time in my life.

What was your “aha” moment with money?

When I graduated college, Google was “just another startup” in a sea of startups, and the job opportunities seemed endless. But, after only a year of working at a medical tech startup, the first dot-com bubble burst and I found myself unemployed along with so many others. The few companies that survived were only looking for people with far more experience than I had, so not only was I unemployed but I was also unemployable. As a result, I quickly blew through whatever meager savings I had. I didn’t know there was a thing called unemployment insurance, so I didn’t apply for it. I was paying full COBRA rates for health insurance because I thought I “had to”. And I still had $100K in student loans to pay off. So, not knowing what else to do, I took out a bunch of credit cards and soon found myself living off of nearly 100% credit for more than 6 months. It would take me nearly 10 years — and eventually, credit consolidation — to learn how to budget and live within my means, and slowly dig myself out of that hole.

What do you do outside of work?

I’m a classical ballet dancer! I discovered ballet very late in life: I was already in my mid-20s when I started, which is when some professionals are already considering retirement. I happened to live next to a ballet studio when I first moved to San Francisco, and decided I wanted to try something new to meet people. I got hooked from day one and haven’t stopped dancing — and performing in an erstwhile Nutcracker — since.

Favorite LGBT+ business?

I’m fortunate to live in a city (Oakland) with so many vibrant, thriving LGBT+ and Black owned businesses. With so many to choose from, I’ll focus on some favorites in my immediate neighborhood:

Alchemy Coffee Collective: an amazing coffee collective that is 100% black and brown worker-owned. And they make a legit flat white.

Nick’s Pizza: Nick grew up in this neighborhood and came back after 4 years working in fine dining and pastry in NYC to set up his own shop here in his hometown. His rotating, seasonal sourdough pizzas are a staple of my diet.

Open Series

Open: CandleTherapy

This week, we spoke with Rachel Nelson, founder of CandleTherapy for our Open series; highlighting LGBT+ businesses and founders. 

Want to feature your LGBT+ business or know of one you think should be featured? Email us at

Tell us a little about your business? What steps led you to where you are now?

I make 100% plant-based clean candles in San Francisco. CandleTherapy candles are made with zero toxins and zero synthetic fragrances, and instead are scented with pure, organic essential oils – the aromatherapy has healing benefits for mind, body, and spirit.

I’ve had chronic illness for 11 years, and was diagnosed with chronic Lyme disease two years ago. Through seeing various doctors and alternative healers, I learned about clean living and wellness early on, as well as the healing benefits of essential oils. I actually started CandleTherapy during quarantine while I was finishing up a 5 month long at-home IV antibiotic treatment.
The average candle comes with many harsh toxins, from the wax, to the synthetic fragrances used, and even the wick! I used candles a lot during meditation or to just set a zen atmosphere in my home, but it was hard to find candles where I could trust the ingredients. Having chronic illness, I try to limit the amount of toxins that are in my home, plus the synthetic fragrances used in standard candles were just too overwhelming. So I started making candles for myself, friends, and family, and the business grew from there!

I truly have chronic illness to thank for this small business. That is my silver lining. Before going on medical leave two years ago, I was in a high-stress corporate banking job at a big bank. My priority was work, and health came second, and the culture at my job rewarded that. However, it was making me sicker and sicker. My body checked out before I was able to mentally. I finally decided I had to go on medical leave to heal, and medical leave ended up being my greatest gift. I was able to step out of the toxic environment I was in, and work on myself emotionally, physically, and spiritually. I started meditating regularly and working with a life-coach, which opened me up to healing past traumas, and the mind-body connection. The creativity I had been pushing to the side all these years finally surfaced during quarantine when I started feeling a little bit better towards the end of my IV treatment, and decided to try making a clean candle for my home. I now have a creative outlet, an at-home job that makes me happy, and I get to bring a little piece of Zen into peoples homes.

Is community important to you? How has the LGBT+ community impacted your business? 

Community is extremely important to me. Without my community, I wouldn’t have started this business. I originally was just gifting quarantine candles to friends and family to lift their spirits during the COVID shutdown. My community told me to start selling the candles, and my community showed up once I did!

The LGBTQ+ community has showed up in particular. I’ve made so many friends during this short time I’ve been in business in the community because queer people want to support queer people. For instance, my first retail location is a lesbian owned business. When I approached them to sell my candles in their store, I didn’t know what I was doing! They helped me and guided me through the process and I am now selling candles at Crystal Way in San Francisco.

Do you feel that being an LGBT+ founder has had an impact on your journey? What challenges and benefits have you experienced?

I definitely think being an LGBTQ+ founder has impacted my journey. As we all know, it’s a double-edged sword. Now more than ever, people who care about diversity want to support small, diverse businesses – whether its womxn, BIPOC, queer/trans, disability owned, etc. That has helped a lot because not only am I a queer-owned business, but I am also a woman-owned and disability-owned business. With a more conscious culture, people like to know the people they are supporting and their stories. And those people who care, and value diversity, will go out of their way to support you and lift you up, and help spread the word. Just like how Daylight is now!

At the same time, there are still people out there that not only don’t value that, but are ignorant and hateful. I’ve noticed I lose followers when I post politically about social justice issues, especially those that impact the LGBTQ+ community. I don’t mind because I don’t want those people in my network anyway – that’s not a lost sale to me, it actually saves me some hard work and time that I wouldn’t want to spend on someone who’s beliefs don’t align with my existence. I’m only just beginning to grow my instagram following, and I still have received hateful comments on pictures of me and my fiancée kissing, for instance. I know LGBTQ+ brands and influencers with even more of a following receive much worse. Unfortunately, it comes with the territory, but I don’t let it bother me – I just report the comment, block the person, and move on. Overall, the benefits of being an LGBTQ+ founder far outweigh the challenges, because this community is LOUD and PROUD and the future is just getting browner, gayer, and more gender fluid so you better get on board!

What are you excited about for the future?

Wow, I’m so glad I’m answering this question after the election. I was worried there for a sec (aka 4 years). I am so hopeful now for our future – but we still have a lot of work to do. On a big scale… I am excited for criminal justice reform, I am excited for trans rights, I am excited for gay rights, I am excited to combat climate change, I am excited for love over hate. I’m excited for diversity in the highest offices of the land.

I’m excited to marry my fiancée in July of next year. We were supposed to get married this year, but COVID had other plans…

I’m excited to keep growing my business and meeting amazing people along the way. If you would have told me two years ago that I would be running a small batch candle business today… I would have laughed! So really I’m excited to keep surprising myself with what comes next. I’m excited to look back on this, two years from now.

Open Series

Open: Alder New York

This week, we spoke with David J. Krause, co-founder of Alder New York for our Open series; highlighting LGBT+ businesses and founders. 

Want to feature your LGBT+ business or know of one you think should be featured? Email us at

Tell us a little about your business? What steps led you to where you are now?

Alder New York is a queer and woman-own independent skincare brand that makes products designed to work for all skin types, no matter your age, gender, or ethnicity. Our collection of skincare essentials combines derm-approved actives with plant-powered ingredients to leave skin looking healthy and clear.

My business partner, Nina Zilka, and I started Alder New York because we couldn’t find a genderless line of skincare products that featured clean and vegan ingredients as well as appealed to our minimalist, genderless design sensibilities.

Is community important to you? How has the LGBT+ community impacted your business? 

Community is everything. While Alder New York was founded with a personal need in mind, it has been our customers and fans that really keep us going. Hearing that our products make someone feel great and feel seen is what drives us. I credit Alder New York’s success to the LGBTQ+ community and our allies. We designed a line of products with gender inclusivity in mind and have opted out of conventional gendered marketing which has really appealed to the community.

Do you feel that being an LGBT+ founder has had an impact on your journey? What challenges and benefits have you experienced?

As a queer man it can definitely be challenging in the skincare/ beauty space. So much of our industry is seen through a binary lens of male and female. Alder New York is constantly fighting to reshape this idea. It can be really challenging when many retailers still see products as for  men or for women.

What are you excited about for the future?

I’m excited for retailers and the industry as a whole to start questioning why we have men’s and women’s sections in stores. It’s a conversation we’re having often with national chain stores to small boutiques and it feels like change is coming.

I’m also really excited for Alder New York to break out into new categories-  to bring our clean, vegan, and inclusive ethos to all parts of your life.