Podcasts about Afterpay

本期节目，我们邀请到了 Jarsy 的创始人秦汉。他的职业生涯几乎是硅谷黄金十年的缩影：2010 年加入只有 500 名工程师的 Facebook，见证了扎克伯格亲自写代码的时代；随后，他跳槽到仅有百名工程师的 Uber，感受了 Travis Kalanick 如何用愿景和超强执行力改变真实世界；之后又作为创始工程师，帮助澳大利亚金融科技公司 Afterpay 在美国从零到一，并最终被高价收购。 2023 年，他创立了 Jarsy (https://sourl.co/ygsdZE)，致力于用区块链技术降低一级市场投资的门槛。节目中，他与我们分享了自己从 0 到 1 的创业心路，如何看待区块链的应用场景，以及他如何看待 AI Native 的创业机会与工作方式。无论你是身处大厂的职场人，还是正在路上的创业者，希望这期节目能够为你带来关于个人成长、公司文化和把握技术浪潮的一些启发。 如果有感兴趣的小伙伴想要注册 Jarsy 账号，欢迎点击链接 (https://sourl.co/mWmb8V) Untitled https://media24.fireside.fm/file/fireside-uploads-2024/images/8/8dd8a56f-9636-415a-8c00-f9ca6778e511/jrxU9B6u.JPEG 本期人物 秦汉，Jarsy (https://sourl.co/ygsdZE)创始人兼 CEO 硅谷徐老师，AI 高管、连续创业者、斯坦福客座讲师，小红书和微信视频号：硅谷徐老师 ｜公众号：硅谷云｜ YouTube： Byte into Future 主要话题 [02:00] 回到 2010 年的 Facebook：硅谷的「996」，工程师文化和写代码的小扎 [06:52] Facebook 「工程师驱动」文化与「A/B 测试哲学」 避免工程师自嗨 [10:50] Facebook 的超强执行力：「快」和「MVP」 (最小可行性产品) 理念如何深入人心。 [16:20] 为何离开Facebook，选择加入风险更高、更早期的 Uber？ [23:22] 为什么 Uber 的员工创业成功率更高？因为它教会大家如何用技术影响真实世界。 [26:08] 从 Uber 到 Afterpay：从澳大利亚到美国市场，年轻人与「先买后付」模式的金融创新 [31:15] 三家顶级公司的共同点：所有伟大的产品都始于为「年轻人」解决问题。 [40:40] Jarsy 做什么：让普通年轻人也有机会投资 SpaceX 和 OpenAI 这样的未上市公司。 [42:04] 为什么一定要用区块链？它带来的「透明性」比「去中心化」更重要。 [51:33] 区块链的真正潜力在于「On-chain to Off-chain」，与真实世界金融服务的结合。 [01:00:06] 什么是 AI Native 的公司？AI 如何让 2-3 人的工程团队实现 10 人的效率。 [01:05:42] 给 职场人的建议：积极拥抱 AI，把自己当成 CEO 来经营你的职业生涯。 幕后制作 监制：Yaxian 后期：迪卡 运营：George 设计：饭团 商业合作 声动活泼商业化小队，点击链接直达声动商务会客厅（https://sourl.cn/9h28kj ），也可发送邮件至 business@shengfm.cn 联系我们。 加入声动活泼 声动活泼目前开放商务合作实习生、社群运营实习生和 BD 经理等职位，详情点击招聘入口详情点击招聘入口 (https://eg76rdcl6g.feishu.cn/docx/XO6bd12aGoI4j0xmAMoc4vS7nBh?from=from_copylink) 关于声动活泼 「用声音碰撞世界」，声动活泼致力于为人们提供源源不断的思考养料。 我们还有这些播客：声动早咖啡 (https://www.xiaoyuzhoufm.com/podcast/60de7c003dd577b40d5a40f3)、声东击西 (https://etw.fm/episodes)、吃喝玩乐了不起 (https://www.xiaoyuzhoufm.com/podcast/644b94c494d78eb3f7ae8640)、反潮流俱乐部 (https://www.xiaoyuzhoufm.com/podcast/5e284c37418a84a0462634a4)、泡腾 VC (https://www.xiaoyuzhoufm.com/podcast/5f445cdb9504bbdb77f092e9)、商业WHY酱 (https://www.xiaoyuzhoufm.com/podcast/61315abc73105e8f15080b8a)、跳进兔子洞 (https://therabbithole.fireside.fm/) 、不止金钱 (https://www.xiaoyuzhoufm.com/podcast/65a625966d045a7f5e0b5640) 欢迎在即刻 (https://okjk.co/Qd43ia)、微博等社交媒体上与我们互动，搜索 声动活泼 即可找到我们。 期待你给我们写邮件，邮箱地址是：ting@sheng.fm 声小音 https://files.fireside.fm/file/fireside-uploads/images/4/4931937e-0184-4c61-a658-6b03c254754d/gK0pledC.png 欢迎扫码添加声小音，在节目之外和我们保持联系。 Special Guest: 秦汉.

The wildest hocus pocus you'll see this Halloween isn't in the haunted houses, it's how Buy Now, Pay Later is leaving people trapped in debt or with ruined credit. Jen and Jill share BNPL horror stories featuring real people and truly scary consequences and how to protect yourself if you've already swiped your way into one of these spells.

Dhanji R. Prasanna is the chief technology officer at Block (formerly Square), where he's managed more than 4,000 engineers over the past two years. Under his leadership, Block has become one of the most AI-native large companies in the world. Before becoming CTO, Dhanji wrote an “AI manifesto” to CEO Jack Dorsey that sparked a company-wide transformation (and his promotion to CTO).We discuss:1. How Block's internal open-source agent, called Goose, is saving employees 8 to 10 hours weekly2. How the company measures AI productivity gains across technical and non-technical teams3. Which teams are benefiting most from AI (it's not engineering)4. The boring organizational change that boosted productivity even more than AI tools5. Why code quality has almost nothing to do with product success6. How to drive AI adoption throughout an organization (hint: leadership needs to use the tools daily)7. Lessons from building Google Wave, Google+, and other failed products—Brought to you by:Sinch—Build messaging, email, and calling into your product: https://sinch.com/lennyFigma Make—A prompt-to-code tool for making ideas real: https://www.figma.com/lenny/Persona—A global leader in digital identity verification: https://withpersona.com/lenny—Where to find Dhanji R. Prasanna:• LinkedIn: https://www.linkedin.com/in/dhanji/—Where to find Lenny:• Newsletter: https://www.lennysnewsletter.com• X: https://twitter.com/lennysan• LinkedIn: https://www.linkedin.com/in/lennyrachitsky/—In this episode, we cover:(00:00) Introduction to Dhanji(05:26) The AI manifesto: convincing Jack Dorsey(07:33) Transforming into a more AI-native company(12:05) How engineering teams work differently today(15:24) Goose: Block's open-source AI agent(20:18) Measuring AI productivity gains across teams(21:38) What Goose is and how it works(32:15) The future of AI in engineering and productivity(37:42) The importance of human taste(40:10) Building vs. buying software(44:08) How AI is changing hiring and team structure(53:45) The importance of using AI tools yourself before deploying them(55:13) How Goose helped solve a personal problem with receipts(58:01) What makes Goose unique(59:57) What Dhanji wishes he knew before becoming CTO(01:01:49) Counterintuitive lessons in product development(01:04:56) Why controlled chaos can be good for engineering teams(01:08:07) Core leadership lessons(01:13:36) Failure corner(01:15:50) Lightning round and final thoughts—Referenced:• Jack Dorsey on X: https://x.com/jack• Block: https://block.xyz/• Square: https://squareup.com/• Cash App: https://cash.app/• What is Conway's Law?: https://www.microsoft.com/en-us/microsoft-365-life-hacks/organization/what-is-conways-law#• Goose: https://github.com/block/goose• Gosling: https://github.com/block/goose-mobile• Salesforce: https://www.salesforce.com/• Snowflake: https://www.snowflake.com/• Claude: https://claude.ai/• Anthropic co-founder on quitting OpenAI, AGI predictions, $100M talent wars, 20% unemployment, and the nightmare scenarios keeping him up at night | Ben Mann: https://www.lennysnewsletter.com/p/anthropic-co-founder-benjamin-mann• OpenAI: https://openai.com/• OpenAI's CPO on how AI changes must-have skills, moats, coding, startup playbooks, more | Kevin Weil (CPO at OpenAI, ex-Instagram, Twitter): https://www.lennysnewsletter.com/p/kevin-weil-open-ai• Llama: https://www.llama.com/• Cursor: https://cursor.com/• The rise of Cursor: The $300M ARR AI tool that engineers can't stop using | Michael Truell (co-founder and CEO): https://www.lennysnewsletter.com/p/the-rise-of-cursor-michael-truell• Top Gun: https://www.imdb.com/title/tt0092099/• Lenny's vibe-coded Lovable app: https://gdoc-images-grab.lovable.app/• Afterpay: https://github.com/afterpay• Bitkey: https://bitkey.world/• Proto: https://github.com/proto-at-block• Brad Axen on LinkedIn: https://www.linkedin.com/in/bradleyaxen/• Databricks: https://www.databricks.com/• Carl Sagan's quote: https://www.goodreads.com/quotes/32952-if-you-wish-to-make-an-apple-pie-from-scratch• Google Wave: https://en.wikipedia.org/wiki/Google_Wave• Google Video: https://en.wikipedia.org/wiki/Google_Video• Secret: https://en.wikipedia.org/wiki/Secret_(app)• Alien Earth on FX: https://www.fxnetworks.com/shows/alien-earth• Slow Horses on AppleTV+: https://tv.apple.com/us/show/slow-horses/umc.cmc.2szz3fdt71tl1ulnbp8utgq5o• Fargo TV series on Prime Video: https://www.amazon.com/Fargo-Season-1/dp/B09QGRGH6M• Steam Deck OLED display: https://www.steamdeck.com/en/oled• Doc Brown: https://backtothefuture.fandom.com/wiki/Emmett_Brown—Recommended books:• The Master and Margarita: https://www.amazon.com/Master-Margarita-Mikhail-Bulgakov/dp/0802130119• Tennyson Poems: https://www.amazon.com/Tennyson-Poems-Everymans-Library-Pocket/dp/1400041872/Production and marketing by https://penname.co/. For inquiries about sponsoring the podcast, email podcast@lennyrachitsky.com.—Lenny may be an investor in the companies discussed.My biggest takeaways from this conversation: To hear more, visit www.lennysnewsletter.com

While indulging in online retail therapy, you've probably seen an option at checkout to buy now, pay later. Companies like Afterpay, Affirm, and Klarna let consumers pay in four installments for nearly anything, including clothes, concert tickets, or even a burrito. For some consumers, it's a tech-assisted layaway plan that helps when cash is tight. For others, it's a chance to splurge on otherwise unattainable goods. On social media, it's called “Klarnamaxxing” and it's getting some consumers into a world of debt. Guests: Annie Joy Williams, assistant editor covering politics and culture, The Atlantic Julie Margetta Morgan, president, The Century Foundation, an independent think that that researches public policy; former associate director of research, monitoring and regulations at the Consumer Financial Protection Bureau Amy X. Wang, story editor, New York Times Magazine Learn more about your ad choices. Visit megaphone.fm/adchoices

Debt isn't the enemy. But misused, it will absolutely hold you back. In this week's episode, Neil breaks down the truth about debt, credit scores, and how they impact your ability to scale a property portfolio. From personal experience to national statistics, he walks you through: The difference between good debt and bad debt How credit scores are calculated—and what tanks them Simple steps to check, improve and manage your credit The impact of credit cards, Afterpay, and personal loans on your borrowing capacity Tools like Equifax, Experian, and how to use them wisely Debt-to-income ratios, defaults, and how banks assess your risk With over $43 billion in credit card debt circulating in Australia, understanding how lenders view your profile is more critical than ever. Key takeaway: If you want to invest with confidence, you need to understand and control your credit. This episode will show you how.

Apprendre à investir en bourse ➡️ https://www.rachelfinance.com/weinvest/youtube (We Invest)

If we could give Jennifer Lopez one tip: not every ex needs a friendship arc. Looking at you, Ben Affleck. Some things — like red carpets and rekindled flings — are better left in the early 2000s. On today's show, Holly braces herself for this scurrilous JLo gossip. Take cover, friends. Plus, a plot twist in the Taylor Swift PR machine no one saw coming. Jessie’s been deep in internet sleuth mode and she’s ready to explain why the Swiftie outrage might actually be legit. And finally: WTF is klarnamaxxing? If you live by 'buy now, pay later', you need to hear Amelia deep dive into this. What To Listen To Next: Listen to our latest episode: Taylor Swift Debrief: A Surprising Diss Track, Travis’ Wood & The Hot Takes Listen: LITTLE TREAT: Holly & Jessie Spill The Tea On Writing A Book Listen: Why No One's Having Sex In Bed Anymore Listen: Decoding The Nicole Kidman & Keith Urban Divorce Narrative Listen: Vanessa Amorosi, Emma Watson & The Problem When Kids Earn More Than Their Parents Listen: Victoria Beckham’s Version & Jessie’s Very Big News Listen: “Tough It Out”. The Announcement That Upset Us More Than We Expected Discover more Mamamia Podcasts here including the very latest episode of Parenting Out Loud, the parenting podcast for people who don't listen to... parenting podcasts. Watch Mamamia Out Loud: Mamamia Out Loud on YouTube What to read: With two words, Jennifer Lopez just summed up what went wrong with Ben Affleck. Jennifer Lopez's first Instagram after splitting from Ben Affleck says everything. Nicole Kidman’s new breakup bangs are telling a much bigger story. HOLLY WAINWRIGHT: The details that make Nicole and Keith's split kind of about us. The moment the tide turned for Jennifer Lopez. The Life of a Showgirl leaves no doubt there will never be another Taylor Swift. All the Life Of A Showgirl Easter Eggs in one place. A brutally honest review of Taylor Swift's new movie. THE END BITS: Check out our merch at MamamiaOutLoud.com Mamamia studios are styled with furniture from Fenton and Fenton GET IN TOUCH: Feedback? We’re listening. Send us an email at outloud@mamamia.com.au Share your story, feedback, or dilemma! Send us a voice message. Join our Facebook group Mamamia Outlouders to talk about the show. Follow us on Instagram @mamamiaoutloud and on Tiktok @mamamiaoutloud Mamamia acknowledges the Traditional Owners of the Land we have recorded this podcast on, the Gadigal people of the Eora Nation. We pay our respects to their Elders past and present, and extend that respect to all Aboriginal and Torres Strait Islander cultures. Become a Mamamia subscriber: https://www.mamamia.com.au/subscribeSee omnystudio.com/listener for privacy information.

Concerns are being raised now that people can put groceries and petrol on Afterpay. The popular buy now, pay later scheme is allowing people to buy petrol and grocery items up to $500 without an up-front payment – to be paid back in instalments. FinCap Senior Policy Advisor Jake Lilley told Andrew Dickens it is a real worry for financial mentors. He says people are desperate to make ends meet and unfortunately schemes like this can put people in a cycle of debt. LISTEN ABOVESee omnystudio.com/listener for privacy information.

On the Heather du Plessis-Allan Drive Full Show Podcast for Friday, 3 October 2025, the Jewish Council says antisemitism has been normalised across the world after a terrorist attack at a synagogue in Manchester. Budgeting advisers are concerned people can now buy their groceries and petrol on Afterpay - but why is it different than paying by credit card? Taylor Swift's new album drops and we speak with the host of a listening party who explains the hysteria about the most anticipated album ever. Plus, the Sports Huddle debates whether the All Blacks can make it 2/2 against Australia in Perth and who will take out the NRL title. Get the Heather du Plessis-Allan Drive Full Show Podcast every weekday evening on iHeartRadio, or wherever you get your podcasts. LISTEN ABOVESee omnystudio.com/listener for privacy information.

Afterpay is once again letting customers buy fuel and groceries with no payment upfront. Financial inclusion consultant Natalie Vincent spoke to Ingrid Hipkiss.

In part two, the Buy Now, Pay Later sector is back under scrutiny. Afterpay recently reversed its decision to stop allowing no payment upfront on grocery and fuel purchases. The panel talks to a financial mentor about hwo this might affect teh people she works with. Then, Paul Kilmartin, the man who has NEVER owned a cellphone. We ask him why and if he has found true happiness.

Afterpay, Klarna, layaway and more! Are these good things we should partake in or should we avoid them at all costs?

Pop your card into the EIC-ATM and get ready to withdraw some content- because this week we're talking all about the rise of "cute debt" and whether buy-now-pay-later schemes are really targeting the girls.In a recent piece for The Atlantic, Annie Joy Williams explores how female shoppers are being heavily marketed to by the likes of Klarna and Afterpay, who are drawing on fun, girly aesthetics to sell their services and make debt seem fun, silly and generally NBD! We share our own experiences and hear from you at home about why so many of us are falling victim to a splash of pink, a celeb endorsement and a cute Y2K moment.Thank you for all of your messages this week! If you're really in the mood to spoil us, how about a five star rating wherever you're listening right now? Thank you so much! Lots of love,R, O, B xoThe Atlantic - The Rise of 'Cute Debt'The Guardian - Where did it all go wrong for Wonga? Emma Budget App Hosted on Acast. See acast.com/privacy for more information.

On the latest episode of After Earnings, Ann Berry sits down with Amrita Ahuja, the CFO & COO of Block, to break down the company's recent performance and how it's leveraging its multiple brands to drive long-term growth. The conversation explores Block's capital allocation strategy, AI-powered underwriting and how each of its businesses from Cash App and Square to Afterpay aims to expand financial access. 00:00 – Amrita Ahuja joins 00:15 – What Ties Block's Brands Together? 03:06 – How Block Allocates Capital Across Business Units 05:23 – Is Rule of 40 Outdated? 06:34 – How Cash App Grows Market Share 09:14 – Competing with PayPal and Venmo 10:32 – Why Teens Are the Future of Cash App 12:05 – How Cash App Customers Graduate Across Products 14:02 – Integrating Afterpay Into Cash App 15:24 – AI, BNPL, and Personalized Lending 18:22 – Will Block Offer Mortgages or Auto Loans? 19:56 – Block's M&A Strategy 21:08 – Bitcoin Mining with Proto Rig After Earnings is brought to you by Stakeholder Labs and Morning Brew. For more go to https://www.afterearnings.com Follow Us X: https://twitter.com/AfterEarnings TikTok: https://www.tiktok.com/@AfterEarnings Instagram: https://www.instagram.com/afterearnings_/ Reach Out Email: afterearnings@morningbrew.com $XYZ Learn more about your ad choices. Visit megaphone.fm/adchoices

Owen Jennings, the head of product at Block Inc(NYSE:XYZ) and a key person around the executive table of what is now by market cap, one of the largest 500 companies in the world.Block (formerly known as Square) is really several powerful ecosystems under one roof: Square serving millions of merchants; Cash App, the consumer super app that's become the financial home for tens of millions of people; and of course, Australian founded Afterpay, the global buy-now-pay -later platform that connects these two bringing shoppers and sellers together. Owen is one of the rare executives that has truly grown up inside acompany over the past 13 years. Owen has worn just about every hat from early roles in ops to becoming the COO of Cash app where he helps scale it from a scrappy side project into a FinTech powerhouse that now generates c$6 billion in annual gross profit.Today Owen leads product across all of Block. He's widely credited for the new sense of product velocity inside the company and the ability to ship faster, to experiment at scale, and to embed AI as a multiplier in everything they do. Most importantly, this is a story about scaling culture. Block's managed something that very few founder-led companies of its size and scale can achieve re-engineering that start up DNA inside a scaled business. Owen has been atthe heart of this cultural reset - hands-on close, to customers and unafraid to tinker with the new ideas himself.

This week on The Unprofessionals Podcast, we dive headfirst into the terrifying world of being courageous… which, for us, usually means ordering extra chili on our kebabs or finally checking the bank balance after a weekend out.We'll talk about the difference between real courage (firefighters, astronauts, people who cut their own hair) and ourversion of courage (sending that risky text, arguing with a GPS, or pressing “Reply All” by mistake).Expect questionable life lessons, stories that should probably never leave the group chat, and the reminder that bravery doesn't always look heroic—it sometimes looks like someone holding back tears while asking, “Do you guys take Afterpay?”Legends, welcome to The Unprofessionals Podcast — where absolutely nothing is off limits! The people are real, the laughs are loud, and the stories? Well, they're better than your nan's gossip at a family BBQ. Join E-Dawg, Evo, and The Lord as they crack a cold one and spin their weekly yarns, tackling everything from the ridiculous to the downright absurd. So, grab a beer, kick back, and let these three best mates take you on a ride where no topic is too weird, too wild, or too out-of-bounds. It's just a dead set good time... and maybe a little bit of chaos too. Hosted on Acast. See acast.com/privacy for more information.

Kicking off a new career series on Fintech Chatter, Dexter Cousins speaks with Alan Costello, employee number two at Afterpay, about his journey from the early days of the company to its current status as a global leader in the fintech space. As Alan reflects on 10 years with the business he shares insights on the challenges of rapid growth, the importance of timing in business, and what it was like to meet founder Nick Molnar and join the rocket ship.Chapters00:00 Introduction to Afterpay's Journey02:59 Alan's Background and Joining Afterpay06:28 Early Challenges and Growth Strategies11:28 Recognizing Success and Market Timing14:50 The Role of Relationships in Growth17:33 Scaling the Business and Cultural Changes19:26 The Journey of Afterpay: From Startup to Success24:42 Navigating Challenges: Regulatory Pressures and Media Narratives27:48 Sustaining Motivation: The Highs and Lows of Startup Life30:43 Looking Ahead: Future Aspirations and Lessons LearnedSend us a textSubscribe Newsletter: https://www.linkedin.com/newsletters/fintech-leaders-7092732051488980992/Connect on Linkedin: https://bit.ly/3DsCJBp

Affirm (AFRM) traded as low as $30 back in April. The digital buy now, pay later company since rebounded near its 52-week high. LikeFolio's Landon Swan points to his firm's data showing how Affirm is capitalizing on its market share while taking from competition like Afterpay and Klarna.======== Schwab Network ========Empowering every investor and trader, every market day. Subscribe to the Market Minute newsletter - https://schwabnetwork.com/subscribeDownload the iOS app - https://apps.apple.com/us/app/schwab-network/id1460719185Download the Amazon Fire Tv App - https://www.amazon.com/TD-Ameritrade-Network/dp/B07KRD76C7Watch on Sling - https://watch.sling.com/1/asset/191928615bd8d47686f94682aefaa007/watchWatch on Vizio - https://www.vizio.com/en/watchfreeplus-exploreWatch on DistroTV - https://www.distro.tv/live/schwab-network/Follow us on X – https://twitter.com/schwabnetworkFollow us on Facebook – https://www.facebook.com/schwabnetworkFollow us on LinkedIn - https://www.linkedin.com/company/schwab-network/ About Schwab Network - https://schwabnetwork.com/about

Ever wondered why “pay in four” buttons feel irresistible? They're designed to exploit ADHD brain wiring—leveraging executive function deficits, dopamine manipulation, working memory overload, and future blindness.Services like Klarna, Afterpay, and Affirm thrive on “phantom debt,” with the average person juggling 9+ payment plans and paying hefty merchant fees and penalties. Millennials and Gen Z—especially those with lower credit scores—are prime targets.I share three harm-reduction strategies, including limiting yourself to 1–2 payment plans and finding non-spending dopamine boosts. That's why I created the UnBudget—a free ADHD-friendly money system that works with your brain, not against it. Link in description.Know what you can really spend, in under 1 hour, no overwhelm. Grab free access here → https://unbudgetlite.shamelessmoney.com/Check out ShamelessMoney.com to work with me directly!Head over to our YouTube channel for the full experience on future episodes.Learn more about ADHD-friendly financial coachingFollow me on YouTubeSubscribe to the newsletterHead over to our YouTube channel for the full experience on future episodes.Learn more about ADHD-friendly financial coaching Follow me on YouTubeSubscribe to the newsletter

Get ready for hot take roulette! In this episode, Will & Kevin spill their financial hot takes.Will challenges the common belief that buying a home is always better than renting, pointing out how high interest rates and rising costs make renting a smarter, more flexible choice, especially if you're not planning to settle long term. Kevin dives into the booming world of Buy Now, Pay Later services like Klarna and Afterpay, discussing how these easy micro-loans can help, but also lead to debt stacking if you're not careful.Comments made are not to be considered endorsements of Tri-Star Trust or its employees. All viewpoints expressed herein belong solely to the commentators, whether or not they are employees or clients, and remain uninfluenced and uncompensated by Tri-Star Trust or any of its affiliates.

Jon Taylor Sweet shares how he grew from shooting on an iPhone to becoming an internationally recognised photographer—without spending a cent on ads. Hear how word‑of‑mouth built his career, why serving clients comes before ego, and how he's redefining success while leaning into music photography.Follow Jon: 

Iron ore prices have lifted to the highest point since February, so will this spark a good run for the miners? MARKET WRAP: ASX200: down 1.02% to 8,668 GOLD: $3,364/oz BITCOIN: $182,070 Commbank & ANZ both lost 2.5%, Westpac was down 3.6%, while NAB was 2.4% lower. Insignia Financial was also on the slide, down 6.2% to $3.93 after it told investors talks were ongoing with CC Capital. While other big fallers included Aristocrat, Pro Medicus and Coles. AMP delivered a positive quarterly super net cashflows for the first time since 2017. Shares finished almost 10% higher to $1.68. Block – the owner of BNPL service Afterpay – saw its shares soar over 11% after news that it would be added to the S&P 500 Index. Iron ore futures climbed to over $104 US a tonne sent BHP, Fortescue and Rio Tinto all climbing CURRENCY UPDATE: AUD/USD: 65.2 US cents AUD/GBP: 48.4 British pence AUD/EUR: 56 Euro cents AUD/JPY: 96 Yen AUD/NZD: 1.09 NZ dollars See omnystudio.com/listener for privacy information.

Without a doubt, hiring staff is one of the hardest, yet arguably, the most important parts of building a business. Whether you’re hiring a Virtual Assistant to update your database or hiring a CEO to run your business, getting the right team together is critical. A few know better how to put a team together than Meahan Callaghan, the current Chief People and Culture Officer at Red Bubble (now known as Articore) and has held senior HR roles at Afterpay, Mecca, Seek and Foxtel. Meahan has hired and, let’s be honest, fired a lot of people, and she knows exactly how to find the right person for a role and build a winning culture. In this episode, we take a look at how one of the best in the business goes about hiring and firing people, what it’s like to work with some of the most famous founders in the country, and how to go about hiring the right people for your business. Read the show notes This podcast is brought to you by the Australian Writers' Centre. WritersCentre.com.au Join our community of copywriters at CopyClub.com.au.See omnystudio.com/listener for privacy information.

Welcome back to Fintech Takes. I'm Alex Johnson, joined (as always) with my partner-in-fintech-recapping, Jason Mikula. Let's get into it. First up: at long last, FICO score versions now include BNPL data, but there's a catch (several, actually). Affirm is furnishing data, but other major players like Klarna and Afterpay? Not so much. We dig into why most BNPLs resist sharing data (hint: it's expensive, complicated, and gives away their competitive edge), and how open banking could help—if you could reliably connect Klarna to Plaid (you can't). Then, just when we abandon BaaS Island, the CFPB shows up with a lifeboat with a surprise move in the Synapse bankruptcy. A four-page filing could open the door to using the Civil Penalty Fund to repay depositors. It's not quite a fintech bailout, but it might be the cleanest way to make people whole … and quietly shut the whole thing down. All of which still raises the bigger question: why did this happen in the first place (BaaS was supposed to be a thin layer on top of FDIC-insured banks)? Next, FHFA (which oversees Fannie and Freddie,  federal home loan banks, and a whole host of other interesting things) does crypto policy by tweet. Director Bill Pulte told Fannie and Freddie (via Twitter) to undertake a study for accepting crypto as mortgage collateral. According to the latest Federal Reserve data, only 8% of households used crypto in any fashion in 2024. So… why? Because someone asked. And in our Can't Let It Go corner: Jason roasts ABN AMRO's new sub-brand, BUUT (yes, BUUT), while I spiral over Circle's $56B IPO valuation (this is meme coin math applied to a narrow bank!).  Sign up for Alex's Fintech Takes newsletter for the latest insightful analysis on fintech trends, along with a heaping pile of pop culture references and copious footnotes. Every Monday and Thursday: https://workweek.com/brand/fintech-takes/  And for more exclusive insider content, don't forget to check out my YouTube page. Follow Jason: Newsletter: https://fintechbusinessweekly.substack.com/ LinkedIn: https://www.linkedin.com/in/jasonmikula/   Follow Alex:  YouTube: https://www.youtube.com/channel/UCJgfH47QEwbQmkQlz1V9rQA/videos LinkedIn: https://www.linkedin.com/in/alexhjohnson Twitter: https://www.twitter.com/AlexH_Johnson

Afterpay ve Zip gibi şimdi al sonra öde sağlayıcıları yeni düzenlemelerle karşı karşıya. Avustralyalıların yüzde 40'ının kullandığı bu tür uygulamalar artık bir kredi şekli olarak sınıflandırıyor ve sorumlu borç verme yükümlülükleri, kredi kontrolleri ve müşteriler için daha fazla koruma sağlıyor.

Các nhà cung cấp dịch vụ ‘mua trước, trả sau' như Afterpay và Zip' đã bị ảnh hưởng bởi các quy định mới của chính phủ, nhưng điều đó có ý nghĩa gì đối với khoảng 40 phần trăm người Úc' sử dụng các sản phẩm này?

Jeremy Horowitz is the Managing Partner of Because Ventures and the creator of Let's Buy a Biz!, a media brand and private equity-backed content engine built to make ecommerce M&A more transparent, data-driven, and founder-friendly. Because Ventures is a private equity search fund focused on acquiring and scaling Shopify brands and apps, while Let's Buy a Biz! documents what it actually takes to grow Top 1% ecommerce businesses.Before launching either venture, Jeremy worked across every layer of the Shopify ecosystem from scaling high-growth DTC brands like Lumi, to leading growth at top-performing Shopify apps like Gorgias. His on-the-ground experience gave him a front-row seat to what really drives retention, profit, and valuation. Now, through Because Ventures, Jeremy applies that knowledge to acquire and operate ecommerce businesses with sustainable margins and focused stacks.Whether debunking the myth that “every brand needs subscriptions,” tracking the 84% adoption rate of email/SMS across $1M+ stores, or predicting which app categories will consolidate over the next five years, Jeremy brings a deep analytical lens to ecommerce strategy. He shares insights from crawling 103,000 Shopify stores, explains why most loyalty programs fail, and urges founders to simplify their tech stack before adding complexity. His story is a masterclass in using real data, not hype to guide business decisions.In This Conversation We Discuss: [00:40] Intro[00:55] Scaling DTC brands to eight figures[02:03] Expanding beyond Shopify Plus assumptions[04:18] Filtering out inactive and duplicate stores[05:05] Highlighting the top 10 most used apps[09:08] Focusing on what actually drives growth[10:56] Comparing native vs third-party app adoption[12:23] Spotting analytics as a breakout category[14:11] Explaining why real CRO starts at $5M+[16:49] Spotting support as an underused category[18:29] Unpacking the subscription model myth[22:47] Auditing app stacks to save thousandsResources:Subscribe to Honest Ecommerce on YoutubeEcommerce Social Impact Fund because.ventures/index.htmlInsider analysis of the largest Ecommerce brands' financials letsbuyabiz.xyz/Follow Jeremy Horowitz linkedin.com/in/jeremyhorowitz1If you're enjoying the show, we'd love it if you left Honest Ecommerce a review on Apple Podcasts. It makes a huge impact on the success of the podcast, and we love reading every one of your reviews!

MCoBeauty has found themselves in another dupe product lawsuit, how Aussies can use buy now, pay later services like Afterpay is undergoing huge changes and a new report reveals that 16 out of 20 SPFs don't meet their SPF claims in Australia. 

From solariums to situationships, Afterpay to overdoing it with partying, these are the things I wouldn't do again in my 20s, not from shame, but from growth. In this episode, I walk through 10 personal regrets (some light, some deep), and what I've learned the hard way, so maybe you don't have to!

Buy Now, Pay Later providers like Afterpay and Zip have been hit with new government regulations. The new laws classify the products as a form of credit, requiring responsible lending obligations, credit checks and further protections for customers, but what does that mean for the roughly 40 per cent of Australians who use the products? - Ang mga kumpanyang nagbibigay ng Buy Now, Pay Later (BNPL) gaya ng Afterpay at Zip ay sakop na ngayon ng bagong batas. Pero ano ang epekto nito sa higit 40% ng mga Australyanong gumagamit ng ganitong paraan ng pagbabayad?

Tam sim no ces Australia muaj ib tsab cai tshiab los tswj tej lagluam Afterpay li Buy Now Pay Later thiab Zip Pay raug teev tib yam li lwm cov credit products lawm. Tab sis txhais tau lub ntsiab lus li cas tiag.

Buy Now, Pay Later (BNPL) services like Afterpay and Zip are now officially treated as credit products under new Australian regulations. From mandatory credit checks to tighter consumer protections, the reforms aim to curb rising debt and protect vulnerable users. While advocates welcome this long-overdue move, concerns remain about people juggling multiple BNPL accounts and falling into debt traps. With late fees historically making up a large share of revenue, the changes mark a major shift in how these services operate.

Afterpay, Sip പോലെയുള്ള Buy now pay later സേവനങ്ങളെ സർക്കാർ നിയന്ത്രണത്തിൽ കൊണ്ടുവന്നിരിക്കുകയാണ്. പുതിയ മാനദണ്ഡങ്ങളും നിയന്ത്രണങ്ങളും ഉപഭോക്താക്കളെ എങ്ങനെയൊക്കെ ബാധിക്കുമെന്ന് കേൾക്കാം മുകളിലെ പ്ലെയറിൽ നിന്നും..

Aanbieders van 'Buy Now, Pay Later' zoals Afterpay en Zip krijgen te maken met nieuwe overheidsregels. Maar wat betekent dat voor de ongeveer 40% van de Australiërs die deze producten gebruiken?

Afterpay, Zip වැනි පහසු ගෙවීමේ සේවා සපයන ඕස්ට්‍රේලියාවේ විවිධ සේවාවන් සඳහා රජය විසින් නව නීති පැනවීමට කටයුතු කර තිබෙනවා. මේ අනුව මෙම සේවාවන්ද සාමාන්‍ය ණයපත් එනම් ක්‍රෙඩිට් කාඩ්පත් ලෙස සැලකෙන අතර මේ හේතුවෙන් ණය ලබාගන්නා පුද්ගලයා පිලිබඳ සිදුකරන සොයාබැලීම් එනම් credit checks සිදුකිරීම වැනි වගකීම් සහගත ලෙස නය ලබාදීමට අදාළ ක්‍රියාකාරකම් සිදුකිරීමට මෙම ආයතන වලට සිදුවනවා.ඕස්ට්‍රේලියානුවන් 40%ක් පමණ මෙම සේවාවන් ලබා ගන්නා අතර මෙම නව නීති හරහා ඔවුනට සිදුවන බලපෑම විමසා බැලීම මෙහිදී වැදගත් වනවා. මේ පිලිබඳ වැඩිදුර තොරතුරු අද කාලීන තොරතුරු විග්‍රහයෙන්

Các nhà cung cấp dịch vụ ‘Mua ngay, Trả sau' như Afterpay và Zip' đã bị ảnh hưởng bởi các quy định mới của chính phủ, nhưng điều đó có ý nghĩa gì đối với khoảng 40 phần trăm người Úc' sử dụng các sản phẩm này? Các luật mới phân loại các sản phẩm này là một hình thức tín dụng, yêu cầu các nghĩa vụ cho vay có trách nhiệm, kiểm tra tín dụng và các biện pháp bảo vệ khác cho khách hàng.

Buy Now, Pay Later providers like Afterpay and Zip have been hit with new government regulations, but what does that mean for the roughly 40 per cent of Australians who use the products? The new laws classify the products as a form of credit, requiring responsible lending obligations, credit checks and further protections for customers.

Afterpay and all other buy now pay later lenders just got slapped with the same laws as credit card lenders…and that means tighter lending criteria Apple announces sleek new updates at WWDC 25… but kicks the Siri AI overhaul further down the road Warner Bros. Discovery is splitting into two companies – one for streaming, one for old-school TV to reinvigorate investors _ Learn more about iShares by BlackRock here Download the free app (App Store): http://bit.ly/FluxAppStorel Download the free app (Google Play): http://bit.ly/FluxappGooglePlay Daily newsletter: https://bit.ly/fluxnewsletter Flux on Instagram: http://bit.ly/fluxinsta Flux on TikTok: https://www.tiktok.com/@flux.finance —- The content in this podcast reflects the views and opinions of the hosts, and is intended for personal and not commercial use. We do not represent or endorse the accuracy or reliability of any opinion, statement or other information provided or distributed in these episodes. Issued by BlackRock Investment Management (Australia) Limited ABN 13 006 165 975, AFSL 230 523. Refer to FSG available on our website. Before making any investment decisions, you should assess whether the product or service is appropriate for you and read the PDS and TMD available at blackrock.com.au.See omnystudio.com/listener for privacy information.

Alex shares a candid take on the risks behind the rise of Buy Now, Pay Later (BNPL) services like Klarna, Afterpay, and Affirm.Inspired by a recent LinkedIn post and his appearance on the Moneywise for Teens podcast, Alex breaks down why these easy credit options aren't always as harmless as they seem—especially for younger consumers.Learn how BNPL can lead to overspending, credit pitfalls, and long-term financial stress—and why “Save Now, Buy Later” is a far better mantra.Take a Survey for a Chance to WinHey friends—can you do me a quick favor? I'm running a short survey to get your take on my podcasts and ⁠⁠All the Fits That's News⁠⁠ newsletter. It only takes about 2 minutes, and your feedback will help shape what comes next.Whether you're a regular listener or just pop in occasionally, I'd really value your input. Bonus: you can enter to win a $20 Amazon gift card just for participating.The survey closes once we hit our target number of responses—or by June 30, 2025, whichever comes first.

In this episode of Fintech Layer Cake, host Reggie Young speaks with Matt Brown, early-stage investor at Matrix Partners and former product leader at Afterpay.Matt dives into the evolving landscape of vertical SaaS, why embedded fintech still has massive untapped potential, and how PE and VC are converging to create new opportunities. He also shares lessons from founding Bonsai, including counterintuitive insights about customer feedback and learning rate. They cover founder-investor dynamics, the future of BNPL, and Matt's writing process behind his popular “X topic in 1,000 words” series.If you're building in fintech, SaaS, or just want to understand the deeper trends shaping both, this is a must-listen.

U.S. Rep. Jerry Nadler is demanding a Congressional investigation into a dramatic incident last week in which a Nadler staffer was handcuffed by Department of Homeland Security police in the lawmaker's office. Plus, New York state is imposing new rules on companies like Klarna and Afterpay. And finally, young New Yorkers reflect on the police killing of George Floyd and its significance, five years after his death.

Brittany keeps looking at a new couch online, and every time she goes to buy it she sees an option to "Buy Now, Pay Later," which made her wonder...should she? Here's what she found:Buy Now, Pay Later (BNPL) loans have become one of the go-to ways to get access to credit fast. Companies like Klarna, Affirm, and Afterpay make buying big purchases relatively easy by allowing people to pay in installments over time. But some Americans have taken to using this method for everyday items like groceries, and when BNPL service providers like Klarna partners with DoorDash so customers can "eat now, pay later"... it feels like a debt trap waiting to happen. And that's just scratching the surface.This... is Money Troubles.And for the past few weeks we've been looking into the ways everyday people are trying to make ends meet... and what it says about how our culture views labor, basic needs, or even our favorite pastimes.In this final episode, NPR Life Kit's Andee Tagle and author Malcolm Harris join Brittany to get into why Buy Now, Pay Later has become so popular and how 'cheap credit' may be another lifestyle subsidy for a new generation.You can hear more of Andee's and Life Kit's reporting on Buy Now, Pay Later here.Learn more about sponsor message choices: podcastchoices.com/adchoicesNPR Privacy Policy

“Take care, and be on your guard against all covetousness, for one's life does not consist in the abundance of his possessions.” — Luke 12:15In an age of instant gratification, getting what we want has never been easier, even if we can't afford it. But as “Buy Now, Pay Later” (BNPL) services become increasingly popular, they're quietly reshaping our relationship with money, debt, and even contentment. Let's explore how these programs work, why they're spiritually and financially dangerous, and how Scripture invites us into a better way.What Is Buy Now, Pay Later?Originally used for large purchases like furniture or electronics, BNPL services now allow consumers to split nearly any purchase into multiple payments—even cheeseburgers. DoorDash, for example, lets customers finance their food in four installments. The convenience may seem harmless, but it can mask deeper issues.Companies like Klarna, Afterpay, Affirm, Zip, Sezzle, and PayPal offer these options at checkout. According to Experian, more than 80% of U.S. shoppers have used BNPL. The ease is attractive, but the long-term impact can be devastating.BNPL makes it seem like you're not going into debt, but that's exactly what's happening. Small recurring payments across multiple platforms add up fast, leading to overdraft fees, financial stress, and, in many cases, high interest rates—some as high as 36% for missed or extended payments.A $60 DoorDash meal split into four $15 payments doesn't seem bad—until you do it for every meal. Or take a $3,000 couch bought with a BNPL plan: one missed payment, and that couch could ultimately cost $8,000 due to fees and interest.Scripture's Warnings About DebtThe Bible doesn't shy away from warning us about the dangers of debt. Proverbs 22:7 tells us, “The borrower is the slave of the lender.” Debt isn't just a financial issue—it can become an emotional and spiritual burden, dividing our attention and devotion.In Luke 12:15, Jesus reminds us that “life does not consist in the abundance of possessions.” Yet BNPL feeds the lie that more stuff equals more satisfaction. Instead of trusting God to provide, we try to manufacture comfort and control through impulsive spending.Why are we tempted to buy now and pay later? Often, it's not out of need, but out of insecurity, impatience, or discontentment. Paul models a better path in Philippians 4:11–13: “I have learned in whatever situation I am to be content...I can do all things through him who strengthens me.”True contentment doesn't come from a checkout screen—it comes from trusting the Lord to provide, even when the budget feels tight.A Better Way: Practical and Spiritual WisdomSo, how do we resist the pull of BNPL and grow in godly contentment?Practically:Build margin. Save up for purchases ahead of time.Budget for “wants.” Use a separate category or envelope system.Set spending limits. Use cash or debit card to help avoid overspending.Spiritually:Examine your heart. Ask: Am I trusting God, or just trying to feel better?Pursue contentment. Let God define your enough.Practice gratitude. Train your heart to see God's provision in what you already have.Freedom to Live GenerouslySaying no to unnecessary debt frees us to say yes to generosity. When we live with open hands and open hearts, we reflect the freedom we have in Christ—freedom from striving, fear, and scarcity. And that's far better than four easy payments.So next time you see a “Pay in 4” button, pause. Ask yourself: Do I really need this? Can I pay for it in full? And does this reflect trust in God, or just in a payment plan?Wise stewardship begins with contentment, and contentment begins with Christ.On Today's Program, Rob Answers Listener Questions:My husband and I are sending our son on a five-week mission trip to Scotland. We're debt-free and want our kids to stay that way. I'm hesitant to open a credit card, but what's the best, safest way to give him access to money while he's overseas?We recently sold our home at a profit, bought a new one, and are now debt-free. However, the new home needs repairs, and we still have a mortgage. Should we tithe on the profit from the home sale, or use those funds for the house needs?I'm a recently retired teacher with two annuities—one worth $19,000 and the other about $13,000. I've just opened an IRA and wonder if I should roll the annuities into it, or if there might be a better strategy.I've inherited a large amount of cash-valued property and need guidance on how to manage it wisely, especially to minimize potential tax liability.We paid off our home in October 2024. Do we need the deed and title to protect ourselves from fraud, or is it handled automatically?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Christian Credit CounselorsWisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)Look At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

Hi friends!! This week we are talking about afterpay and klarna, Carter and I almost having a last minute wedding, my birthday coming up, finally deciding on moving to a townhome, running a 10k with my brother, and so much more!!!  Write In Style: https://docs.google.com/forms/d/1Po-xXACQPyiFYy4UP9ctxg7UAOh1bFoUnG65hAz5GRM/preview Voice Memo Style: https://docs.google.com/forms/d/17Fh8kd1Ym2GopGdEQOTI2LcSycTo3wwPJinMZO8RuUs/edit

In this episode of The Digital Irish Podcast, we sit down with Alan Costello, one of the earliest employees at Afterpay, to uncover the inside story of its incredible journey from a small startup to a publicly listed, multinational business. Alan shares his firsthand experiences navigating the highs and lows of startup life, the challenges of rapid scaling, and the near-shutdown during the COVID-19 pandemic. He also reflects on the pressures of going public, the shift from acquisition to retention, and the invaluable lessons he's learned about resilience, adaptability, and leadership. Join us as we explore the remarkable growth of Afterpay and what the future holds for Alan.Okay, here are comprehensive show notes for your podcast episode featuring Alan Costello and his journey with Afterpay:Episode Title: From Startup to Public Listing: Alan Costello's Inside Story of Afterpay's Explosive GrowthEpisode Description:In this episode of The Digital Irish Podcast, we sit down with Alan Costello, one of the earliest employees at Afterpay, to uncover the inside story of its incredible journey from a small startup to a publicly listed, multinational business. Alan shares his firsthand experiences navigating the highs and lows of startup life, the challenges of rapid scaling, and the near-shutdown during the COVID-19 pandemic. He also reflects on the pressures of going public, the shift from acquisition to retention, and the invaluable lessons he's learned about resilience, adaptability, and leadership. Join us as we explore the remarkable growth of Afterpay and what the future holds for Alan.Key Takeaways:The importance of resilience and adaptability in startup life.The challenges and rewards of rapid scaling and going public.The impact of external factors, like COVID-19, on a growing business.The importance of agility and pivoting during times of rapid change.Want to get in contact? Email us at podcast@digitalirish.com

There's no love lost when it comes to Elon and Kanye on this podcast! We're called Bad For The Community but they're the definition of it. On this week's episode, we discussed the protests against Tesla and Kanye's distasteful tweet about Beyonce's twins. The discussion led to an interesting conversation about self-accountability and our role in empowering these types of behaviors. We also spoke on Playboi Carti's polarizing new album, Kendrick Lamar's hypocrisy, and more!Time Stamps:0:00 - Video games/ NBA Playoffs predictions16:00 - Intro/ The generation of comfortability21:30 - Tesla protests & Elon Musk's Fox News interview45:00 - Kanye's gone too far...again/ Should you stop wearing Yeezys?1:05:00 - Looking back at Chance the Rapper's 'Acid Rap'1:16:20 - Playboi Carti's 'MUSIC' album/ Is Kendrick Lamar a hypocrite?1:31:30 - How down bad you gotta be to AfterPay your DoorDash order?1:35:45 - Cordae's Tiny Desk performance with his mom1:39:30 - John Cena's heel turn/ Travis Scott's smack to Cody Rhodes1:43:35 - Influencer's ridiculous 4am morning routine1:52:00 - Outro/ Stefon Diggs to the Patriots?Watch on YouTube for the Full Experience: ⁠https://youtu.be/kKcw1rGYjPkFind us at ⁠⁠⁠⁠⁠⁠⁠www.BadForTheCommunity.com⁠⁠⁠⁠⁠⁠⁠Follow us: ⁠⁠⁠⁠⁠⁠⁠Instagram⁠⁠⁠⁠⁠⁠⁠ | ⁠⁠⁠⁠⁠⁠⁠Twitter/X⁠⁠⁠⁠⁠⁠⁠ | ⁠⁠⁠⁠⁠⁠⁠TikTok

In this episode of Celeste the Therapist podcast, Celeste returns after her first-ever month-long break since starting the podcast in 2018. She discusses the importance of taking breaks and how it felt strange to be away from podcasting. The main topic of the episode focuses on the connection between the mind and food, inspired by the recent collaboration between DoorDash and Afterpay. Celeste explores why people turn to food as a form of escape and the psychological implications behind it. Additionally, she announces an upcoming free mental health wellness day on May 3rd from 12 to 4, featuring various wellness classes such as sound bath bowls, mindful yin, restorative yoga, and more. The wellness event will also offer 15-minute chair massages and an arts and crafts room, providing a holistic approach to mental well-being. Tune in to gain insights on the mind-food connection and learn more about the exciting wellness day event.   Call to Action: Follow Celeste on all social media platforms Watch the podcast with visuals on YouTube for an enhanced experience Click Here to Join the SHIFT Community Don't miss out on this insightful episode that could change the way you think and approach your personal growth! Website: www.stwyt.com Email: info@STWYT.com Follow Celeste: @CelesteTheTherapist Celebrate this milestone episode by joining Celeste in shifting the way you think!  Listen on: All major audio podcast platforms YouTube Facebook Instagram Make sure to follow us on social media: Instagram: @CelesteTheTherapist  or STWYT Facebook: @CelesteViciereLMHC Youtube: @CelesteTheTherapist

Klarna, Afterpay, Affirm — maybe you've noticed these platforms when shopping online. They allow you to break up large payments into smaller installments that you can pay over time, and are a popular alternative to credit cards. In this episode, we'll cover the pros and cons of these loans and how to use them responsibly.Learn more about sponsor message choices: podcastchoices.com/adchoicesNPR Privacy Policy

Klarna, Afterpay, Affirm — maybe you've noticed these platforms when shopping online. They allow you to break up large payments into smaller installments that you can pay over time, and are a popular alternative to credit cards. In this episode, we'll cover the pros and cons of these loans and how to use them responsibly.Learn more about sponsor message choices: podcastchoices.com/adchoicesNPR Privacy Policy