Podcasts about buy now pay later

A council trial giving the owners of impounded dogs a chance to pay off their shelter fees has seen fewer animals euthanised and more claimed since being introduced. The uptake of a buy-now-pay-later option at council shelters has been increasing month on month. Auckland Council's regional shelter manager Nikki Cripps spoke to Melissa Chan-Green.

เจาะรายละเอียด ธปท. จ่อวางเกณฑ์กำกับ Buy Now Pay Later (BNPL) ตลาดสินเชื่อใหม่โตแรง มูลค่าหมื่นล้านบาท เหตุผลอะไรที่ทำให้ ธปท. ต้องกังวล เคลียร์ตรงกับ 'คลัง' เรื่องเกณฑ์ใหม่ ‘บัตรสวัสดิการแห่งรัฐ' ใครได้สิทธิ์-ใครโดนตัดสิทธิ์ พูดคุยกับ วินิจ วิเศษสุวรรณภูมิ ผู้อำนวยการสำนักงานเศรษฐกิจการคลัง (สศค.) ในฐานะโฆษกกระทรวงการคลัง

You can earn half a million dollars a year and still have nothing left by the end of the month. That's not a theory. A Goldman Sachs study found 40% of people making over $500,000 are living paycheck to paycheck. The income isn't the problem. The identity is. George Kamel, #1 national bestselling author of Breaking Free from Broke and co-host of The Ramsey Show, has taken thousands of calls from people who earned great money and lost it all. People who confused looking rich with building wealth. Couples who kept separate bank accounts right up until the marriage fell apart. His take: debt is never just a math problem. It's a behavior problem. And no budget in the world sticks until you decide what kind of person you're going to be with money. In this conversation, George breaks down why buy now pay later apps are engineered to increase your cart size by 40%, why prediction markets like Polymarket are doing to young men what gambling apps did to the last generation, and why the moment someone calls a financial decision an "opportunity," they've usually already started justifying a terrible one. The path to financial peace is simpler than you've been told. And it starts with creating friction, not removing it. Breaking Free From Broke: The Ultimate Guide to More Money and Less Stress Amazon Ebook Audiobook Smart Money Happy Hour George Kamel YouTube George's Instagram In this episode you will: Discover why debt is a psychology problem, not a math problem, and the identity shift you must make before any budget will actually stick Recognize the doom loop of emotional spending and how buy now pay later apps are designed to make you spend more, feel worse, and repeat the cycle Learn the seven Ramsey Baby Steps framework that has helped millions get out of debt and build real generational wealth Apply the SMART Spender framework from Breaking Free from Broke to make intentional purchases without guilt or impulse Understand how financial infidelity quietly destroys marriages and the warning signs hiding in plain sight For more information go to https://lewishowes.com/1936 For more Greatness text PODCAST to +1 (614) 350-3960 Follow The Daily Motivation for essential highlights from The School of Greatness More SOG episodes we think you'll love: Lewis Howes Solo [5 Money Habits To Financial Freedom] Dan Martell Vivian Tu TOPICS George Kamel, financial freedom, debt snowball, Baby Steps, financial infidelity, lifestyle creep, doom loop, buy now pay later, SMART Spender framework, Breaking Free from Broke Get more from Lewis! Get my New York Times Bestselling book, Make Money Easy!Get The Greatness Mindset audiobook on SpotifyText Lewis AIYouTubeInstagramWebsiteTiktokFacebookX Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

OpusClip: Start clipping at https://opus.pro/ich Airbnb: Find a co-host at https://airbnb.com/host Zapier: Get Started for FREE at https://Zapier.com/ICH FanDuel: Sign up now for your $25 bonus on FanDuel Predicts Subscribe To MeetKevin Here:  @MeetKevin  Timestamps: 00:00:00 - Intro 00:01:02 - Michael Burry & Biggest Stock Wins (Circle, Tesla, Nvidia) 00:03:08 - The $40M Tesla Portfolio & Lessons From Losses 00:05:52 - Happier With Less Stress / Should You Pay Off Debt? 00:08:11 - Iran War, Pickaxe Mountain & the Market Rally 00:11:17 - Forward Growth Valuations & the Circular AI Flow 00:13:35 - The Most Frustrating Rally Ever / Advice for $40-200K Earners 00:16:11 - OpusClip Sponsor / How the Average Person Should Invest in 2026 00:17:29 - QQQ vs TQQQ: Why Leveraged ETFs Will Go to Zero 00:21:04 - The #1 Risk Nobody's Talking About: Credit & Data Center Overbuild 00:24:58 - The Labor Market & The Wealth Effect 00:27:27 - Dry Powder & Why Cash Reduces Selling Pressure 00:29:06 - Kevin's Portfolio & Kevin O'Leary's $5M FU Money Take 00:31:02 - Are 5% Treasuries Actually a Good Buy? 00:34:54 - The Hantavirus & Real Estate Risk 00:37:31 - Airbnb & Zapier Sponsorships 00:40:04 - Is It Harder to Build Wealth in 2026? 00:42:00 - AI Implementation as the Path to Wealth (Cardone Comparison) 00:46:04 - The Best Decade Ever to Buy Real Estate (2022-2032) 00:48:34 - Graham Pushes Back: Why He's Selling His Real Estate 00:55:55 - Habitability Lawsuits & California Tenant Risk 00:57:42 - Mansion Tax & Anti-Investor Legislation 00:59:09 - Who Should Buy vs Rent / Kevin's Portfolio Allocation 01:00:55 - FanDuel Sponsor / Kevin's Top Stock Holdings 01:03:16 - Kevin's Fitness & Mediterranean Diet Transformation 01:06:38 - How Much Do You Need to Retire? ($8-10M for a Family) 01:09:19 - Spending More When You Have Free Time 01:11:43 - Buy Now Pay Later & Deferred Recession Risk 01:12:33 - Ideal Lifestyle: When Your Salary Covers Everything 01:14:57 - Best Money You'll Ever Spend & The $12.9M Jet Story 01:20:42 - SEC Investigations & The Large Options Trader Letter 01:23:48 - Zero-Day Options Trading Explained 01:27:07 - Jack's Weekly Covered Call Strategy 01:32:00 - Career Advice: Grinding on the Right Thing 01:34:08 - Podcasting & Corporate-Owned YouTube Channels 01:38:29 - The $2.2M Offer to Buy 10% of Graham's Channel 01:41:00 - Toddler Podcast Idea & Niching Down Your Audience 01:43:49 - Family Life: Kids, Personalities & a Dad Win 01:47:13 - Trump Accounts & Tax Strategies 01:48:18 - Final Advice & Wrap-Up *

Many families are looking for healthier ways for teens to build confidence, independence and real-world skills. Teenovation is one UAE initiative trying to tackle exactly that through volunteering, internships, leadership projects, entrepreneurship and social activities for teenagers.us is Founder Margareta Luis joins Helen in the studio. Plus: Employers and educators are increasingly talking about the “readiness gap” - young people who may be academically strong, but feel overwhelmed by independence, pressure, interviews, communication, or simply backing themselves outside the classroom. This summer, a new two-day UAE bootcamp aims to tackle exactly that. The University Edge Intensive takes place at Dubai World Trade Centre in June - Founder Swarnima Guha and Jazz Ferguson tell Helen how they're helping students prepare not just for university, but for life beyond it. And finally, is Buy Now Pay Later a good idea? Steve Cronin, founder of DeadSimpleSaving.com, gives us the lowdown on how these platforms can benefit us, and what pitfalls we need to avoid. See omnystudio.com/listener for privacy information.

BNPL programs have helped big box retailers boost sales for years... How mom and pop stores can get in on the action as well (at 14:16) --- What is 'biohacking'? The radical theory behind the idea that there's a difference between living longer and living better - or, ideally, doing both (at 20:57) --- What's Happening: Scouting America is all about outdoor adventures, and it's shaping up to be a busy summer for the Black Swamp Area Council (at 43:52)

Vivian dives into the truth about Buy Now, Pay Later services and why splitting a purchase into “four easy payments” might be way more dangerous than it looks. In this episode, she breaks down how companies like Klarna, Afterpay, and Affirm exploded in popularity, why these payment plans are changing the way people shop, and how BNPL can quietly wreck your budget and credit score if you're not careful. In this episode, you'll learn: 1. What Buy Now, Pay Later services actually are, how they evolved from old-school layaway programs, and why modern BNPL combines some of the riskiest parts of both layaway and credit cards. 2. Why BNPL can encourage overspending, how multiple small payments create a false sense of affordability, and what happens to your credit score if you miss a payment. 3. Who should and definitely should not use BNPL services, plus Vivian's preferred alternatives for building credit, managing cash flow, and making purchases without borrowing against your future income. Follow the podcast on Instagram and TikTok! Got a financial question you want answered in a future episode? Email us at podcast@yourrichbff.com Learn more about your ad choices. Visit podcastchoices.com/adchoices

On the Matthews Mentality podcast, host Kyle Matthews interviews four-time founder and Kasheesh CEO Sam Miller, who dropped out of college, bootstrapped early companies, achieved three exits, and now leads a fintech platform that lets consumers split purchases across multiple cards with no loans, interest, or credit checks. Miller explains Kasheesh's origin as a response to predatory buy-now-pay-later lending, its evolution from a browser extension to Apple Pay/Google Pay, and growth to 110,000+ users and $72M+ in transactions. They discuss fundraising challenges, differences between bootstrapping and venture-backed startups, lessons from working in VC, and how consumer usage shifted from discretionary spending to essentials like rent and utilities. The conversation also covers AI's impact on work, economic warning signs, and Kasheesh roadmap features like Replay, group payments, and rent reporting to credit bureaus.

Last week, figures published by RNZ showed that Afterpay made close to $20m in late fees in Aotearoa New Zealand, in the year to December 2025. This revenue is an increase on their 2024 earnings, and comes after legislation was introduced to bring Buy Now Pay Later lending services—such as Afterpay—under similar regulation to other lenders. Prior to September of 2024, buy now pay later lenders were exempted from the Credit Contracts and Consumer Finance Act that governs other lenders. This is because, unlike other lenders such as credit card companies, buy now pay later schemes do not charge interest or any other fees—so long as the debts are repaid on time—meaning they did not meet the definition of a ‘consumer credit contract'. After September of 2024, however, they came under the act, with some exemptions, such as that they don't have to carry out the same checks as other lenders to see if a borrower can actually afford a loan. A later amendment exempted them from the prohibition on charging unreasonable fees and also exempted them from being required to ensure default fees do no more than reasonably compensate the provider for their costs. Earlier this year, Consumer New Zealand and FinCap (with support from Victoria University and funding from the Borrin Foundation) published the second stage of their report examining Buy Now Pay Later schemes in Aotearoa New Zealand, before and after these regulatory changes. So, to discuss the recently reported Afterpay late fee revenues within the wider context of what that report found, producer Theo spoke to the senior policy advisor at FinCap, Jake Lilley.

The buy now, pay later space is evolving into a core part of consumer credit. Bryce Deeney highlights Klarna's (KLAR) shift toward a bank-like model. He says it and Affirm (AFRM) and are pushing deeper into financial services, while traditional institutions retain an edge through scale and data. Bryce notes the result is a convergence where flexible payments become the standard.======== Schwab Network ========Empowering every investor and trader, every market day.Options involve risks and are not suitable for all investors. Before trading, read the Options Disclosure Document. http://bit.ly/2v9tH6DSubscribe 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

David Trainer and Moshe Katri debate the future of buy now, pay later stocks after Klarna (KLAR) rallied on earnings. Moshe says the sector remains one of fintech's fastest growing categories despite fintech underperforming this year, while David argues the sector still faces major business model concerns.======== 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

Licensed insolvency trustee and Spergel partner Rob Kilner joins Bruce to break down the explosive growth of Buy Now, Pay Later (BNPL) platforms and the serious financial risks they pose for Canadian consumers. Rob explains the concept of debt stacking of how small incremental payments across multiple accounts can quietly spiral into unmanageable debt and reveals that "interest-free" BNPL isn't truly free, as costs are typically baked into product pricing. He also shares what happens to BNPL debt in a consumer proposal and offers practical principles for using these platforms more responsibly. Find out more at spergel.ca and connect on Facebook, X, Instagram and TikTok.

In this episode of Moolala: Money Made Simple, host Bruce Sellery tackles three money and work topics you can't afford to ignore. Leadership strategist and author Dan Pontefract joins to discuss his new book The Future of Work is Grey, exploring the untapped value of older workers, the looming "age debt crisis," and why organizations that ignore aging demographics risk a $5.4 trillion knowledge loss. Then, Tim Hewson, CEO and co-founder of Legal Wills, breaks down how estate planning has evolved in the digital age from Bitcoin and frequent flyer miles to iPhoto libraries and legacy account holders and why every adult needs an up-to-date will. Finally, Licensed Insolvency Trustee Rob Kilner of Spergel reveals the real risks of Buy Now, Pay Later platforms, including debt stacking, hidden fees, and the psychological trap that keeps consumers spending without realizing it. To find out more about the guests check out: Dan Pontefract: danpontefract.com | LinkedIn | YouTube | Instagram | Threads | TikTok Tim Hewson: legalwills.ca | Facebook | Instagram | LinkedIn Rob Kilner: spergel.ca | Facebook | X | Instagram | TikTok Bruce Sellery is a personal finance expert and best-selling author. As the founder of Moolala and the CEO of Credit Canada, Bruce is on a mission to help you get a better handle on your money so you can live the life you want. High energy & low B.S., this is Moolala: Money Made Simple. Find Bruce Sellery at Moolala.ca | X | Facebook | LinkedIn

In questo episodio andiamo a vedere un dato allarmante: i 604 miliardi di euro di prestiti accumulati dalle famiglie italiane e perché, nel nostro Paese, accedere al credito costa molto di più rispetto a Francia, Spagna e Germania.Analizzeremo la rapida e pericolosa crescita del credito al consumo, svelando come venga sempre più utilizzato non per investire, ma come "sostituto del reddito" per pagare spese ordinarie, vacanze e smartphone.Scopriremo l'illusione psicologica dei servizi "Buy Now Pay Later": come dividere un prezzo in rate ci porta ad acquistare beni di consumo che perdono immediatamente valore e che, a prezzo pieno, non potremmo permetterci.Infine, spiegheremo le conseguenze catastrofiche di questo ciclo a lungo termine, che blocca i redditi e azzera completamente la capacità di creare un cuscinetto per gli imprevisti e costruire ricchezza futura.

If the word "credit" makes you want to hide under the covers, this episode is for you, mi gente. I'm sitting down with Carol Pope — personal finance writer and author of Credit 101 — to break down everything you need to know about building credit from scratch, paying down debt, and protecting your score. No shame, no judgment, just an honest conversation. Carol and I have almost identical money origin stories. Neither of us learned a damn thing about credit growing up. Now we're both on a mission to make sure you don't have to learn the hard way like we did.WE GET INTO:00:02 — Intro + Jannese's credit origin story01:58 — What Carol's book Credit 101 covers02:17 — Carol's money story growing up03:22 — The moment Carol realized she had to figure this out ASAP05:04 — Cost of living + why this conversation is so timely06:41 — What is a credit score and why does it matter?07:59 — How your credit affects your job, apartment, utilities, and more09:44 — The 5 factors of your credit score, broken down12:29 — The myth: does carrying a balance help your credit? (Spoiler: no)13:30 — Building credit from zero: secured credit cards explained15:19 — Authorized users: pros, cons, and warnings17:01 — How long does it realistically take to build good credit?18:09 — Using credit cards as a lifeline vs. as a tool22:07 — Buy Now Pay Later: what you actually need to know24:33 — Already in credit card debt? Here's where to start27:59 — Snowball vs. Avalanche: which debt payoff method wins?29:05 — Balance transfers: when they work and when they don't30:10 — The biggest auto loan financing mistakes people make33:12 — Buy here, pay here car lots — what you need to know35:22 — The 14-day rate shopping window that protects your credit36:22 — Credit fraud: the most common scams to watch for39:51 — Should you freeze your credit? (Yes. 24/7.)41:45 — You can also freeze your Social Security number — here's how44:49 — Debt as leverage, not shame47:08 — Where to find Carol and grab the bookKEY TAKEAWAYS: What your credit score actually is — and why it controls more of your life than you thinkThe 5 factors that make up your score (and which one matters most)How to build credit from scratch the right wayThe big myth about carrying a credit card balance — please stop doing thisBuy Now Pay Later: what nobody's telling you about how it worksWhere to start when you're already drowning in credit card debtThe debt payoff method Carol personally usesHow to shop for auto loans without tanking your scoreWhy Carol says you should have your credit frozen 24/7A credit protection move most people don't know about: you can freeze your Social Security numberCONNECT WITH CAROL:LinkedInCarol's Book: Credit 101TAKE THE NEXT STEP:Yo Quiero Dinero Private MembershipRead my book, Financially Lit!Leave me a voicemailThis episode of Yo Quiero Dinero was produced by Heart Centered Podcasting. Hosted on Acast. See acast.com/privacy for more information.

What happens when AI starts spending money for us? In this episode of the Influence Global Podcast, Gordon Glenister speaks with Grant from The Payment Shed about AI driven commerce, digital trust, Buy Now Pay Later culture, fraud, stablecoins and the rise of the cashless society. Topics include: • AI agents shopping on our behalf   • The hidden risks of Buy Now Pay Later   • Why fraud is evolving faster than ever   • The future of digital payments and stablecoins   • Whether cash is already becoming obsolete   • How content and personal branding shape modern business As technology reshapes commerce and consumer behaviour, the future of payments may look very different from what we know today. Learn more about your ad choices. Visit megaphone.fm/adchoices

How many Americans are actually using Buy Now, Pay Later (BNPL) services? And how much is it helping or hurting them financially? Financial Advisors, Brian Preston and Bo Hanson, ⁠⁠⁠⁠break down recent data on BNPL usage, and discuss their concern with the rising trend. Then stick around, we talk about what's on your mind with a Q&A segment directly from YOU! This episode features questions on when it's ok to lease a car, when to hire a financial advisor, what to expect as an employee if your company goes public, and so much more. Jump start your journey with our FREE financial resources⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠Reach your goals faster with our products⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠Take the relationship to the next level: become a client⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠Subscribe on YouTube for early access and go beyond the podcast⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠Connect with us on social media for more content⁠⁠⁠⁠⁠⁠⁠ Bring confidence to your wealth building with simplified strategies from The Money Guy. Learn how to apply financial tactics that go beyond common sense and help you reach your money goals faster. Make your assets do the heavy lifting so you can quit worrying and start living a more fulfilled life. Learn more about your ad choices. Visit megaphone.fm/adchoices

The Moneywise Radio Show and Podcast Monday, April 27th  BE MONEYWISE. Moneywise Wealth Management I "The Moneywise Radio Show & Podcast" call: 661-847-1000 text in anytime: 661-396-1000 website: www.MoneywiseGuys.com facebook: Moneywise_Wealth_Management LinkedIn: Moneywise_Wealth_Management Guests: Cherese Grell, CEO & President of Positive Results Unlimited and Director of CityServe Kern & Doug Carter, Broker Associate with Watson Realty & Chairman Kern County Student Leadership facebook The opinions voiced in this podcast are for general information only and are not intended to provide specific advice or recommendations for any individual. To determine which strategies or investments may be suitable for you, consult the appropriate qualified professional prior to making a decision. Cherese Grell, Doug Carter & The Kern County Student Leadership Program are not affiliated with nor endorsed by LPL Financial or Moneywise Wealth Management].

Financial illiteracy is no longer just a personal challenge—it's a growing national risk. With U.S. household debt exceeding $18 trillion and nearly 40% of Americans unable to cover a $400 emergency, the consequences are becoming impossible to ignore. Lance Roberts & Jon Penn break down how a lack of basic financial education is driving poor decision-making, rising debt levels, and long-term economic instability. From budgeting and credit to investing and risk management, millions are navigating an increasingly complex financial system without the tools they need. Key topics include: 0:00 - INTRO 1:18 - Market Pull Back No Surprise 7:28 - Leg Day & Italy Prep 9:45 - Financial Literacy Dearth in America 14:44 - Subscriptions & Memberships - The KISS Army 16:13 - High School & College "Stock Picking" classes 19:05 - National vs Personal Debt 20:55 - The Credit Card - Credit Score Myth 23:09 - Manifestation Practices to Better Financial Health 25:17 - Family Discussions: Money & Goals 28:07 - The Perils of Buy Now - Pay Later vs Lay-Away 30:29 - Don't Let Market Moves Scare You 31:36 - First Houses, Inspections, Mortgages, & Escrows 34:27 - The Big Push for Home Ownership - Beware! 37:22 - Trade Skills & Economics in High School 39:04 - How Banks Make Money (on You) 41:55 - how to Properly React to Markets - Rules vs Me ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/jAHYTG9JFDg ------- REGISTER for our next Candid Coffee, Saturday, May 16: "Financial Organization Made Simple:" https://streamyard.com/watch/SA6aj2aMdMhf -------- Watch our previous show, "Chase or Fade the Rally? " https://youtube.com/live/Uz93eoE43pc ------- The latest installment of our new feature, Before the Bell, "Overbought Market: Wait for the Pullback" is here: https://youtu.be/hSb-tdMdmWc ------- Resources Mentioned in Today's Show: "Short Covering Rally Or Is The Bull Market Back?" https://realinvestmentadvice.com/resources/blog/short-covering-rally-or-correction-over/ "Market Lesson: Why Panic Is A Costly Mistake" https://realinvestmentadvice.com/resources/blog/market-lesson-dont-waste-being-bailed-out/ ------- Download Lance's Latest e-book, "Laws of Money & Wealth:"https://realinvestmentadvice.com/ria-e-guide-library/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarket #InvestingStrategy #MarketOutlook #RiskManagement #TechnicalAnalysis #FinancialIlliteracy #PersonalFinance #DebtCrisis #MoneyManagement #EconomicRisk

Financial illiteracy is no longer just a personal challenge—it's a growing national risk. With U.S. household debt exceeding $18 trillion and nearly 40% of Americans unable to cover a $400 emergency, the consequences are becoming impossible to ignore. Lance Roberts & Jon Penn break down how a lack of basic financial education is driving poor decision-making, rising debt levels, and long-term economic instability. From budgeting and credit to investing and risk management, millions are navigating an increasingly complex financial system without the tools they need. Key topics include: 0:00 - INTRO 1:18 - Market Pull Back No Surprise 7:28 - Leg Day & Italy Prep 9:45 - Financial Literacy Dearth in America 14:44 - Subscriptions & Memberships - The KISS Army 16:13 - High School & College "Stock Picking" classes 19:05 - National vs Personal Debt 20:55 - The Credit Card - Credit Score Myth 23:09 - Manifestation Practices to Better Financial Health 25:17 - Family Discussions: Money & Goals 28:07 - The Perils of Buy Now - Pay Later vs Lay-Away 30:29 - Don't Let Market Moves Scare You 31:36 - First Houses, Inspections, Mortgages, & Escrows 34:27 - The Big Push for Home Ownership - Beware! 37:22 - Trade Skills & Economics in High School 39:04 - How Banks Make Money (on You) 41:55 - how to Properly React to Markets - Rules vs Me ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/jAHYTG9JFDg ------- REGISTER for our next Candid Coffee, Saturday, May 16: "Financial Organization Made Simple:" https://streamyard.com/watch/SA6aj2aMdMhf -------- Watch our previous show, "Chase or Fade the Rally? " https://youtube.com/live/Uz93eoE43pc ------- The latest installment of our new feature, Before the Bell, "Overbought Market: Wait for the Pullback" is here: https://youtu.be/hSb-tdMdmWc ------- Resources Mentioned in Today's Show: "Short Covering Rally Or Is The Bull Market Back?" https://realinvestmentadvice.com/resources/blog/short-covering-rally-or-correction-over/ "Market Lesson: Why Panic Is A Costly Mistake" https://realinvestmentadvice.com/resources/blog/market-lesson-dont-waste-being-bailed-out/ ------- Download Lance's Latest e-book, "Laws of Money & Wealth:"https://realinvestmentadvice.com/ria-e-guide-library/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarket #InvestingStrategy #MarketOutlook #RiskManagement #TechnicalAnalysis #FinancialIlliteracy #PersonalFinance #DebtCrisis #MoneyManagement #EconomicRisk

Sports betting, crypto, predictions markets, Buy Now Pay Later, getting a credit card to pay off your credit card - what if we said that isn't even the tip of the iceberg when it comes to nihilism and finance? Amin Samman joins us to talk about his book Currency of Nihilism, punk rock, the abyss of meaning that is money and why French poststructuralists are Like That. Music by Warning: https://warningdoom.bandcamp.com/album/rituals-of-shame Give us your money: https://www.patreon.com/DeathSentence Hang out with us on Discord (for free!): https://discord.gg/zHBV9qCE

Buy Now Pay Later – is this lending service simply enticing, or is it addictive?  For the GenZ 20 somethings that are its biggest users, is Buy Now Pay Later a danger or a deal?  CU Boulder student and Howonearth volunteer Juliana Krigsman  speaks with students about this, plus Adam Brown – director of New … Continue reading "Buy Now Pay Later – Enticement or Addiction?"

Amazon cuts USPS volume, BNPL shapes where Gen Z gets their teeth cleaned, and why your product data is now an AI infrastructure problem.This Watson Weekly episode covers: The Amazon-USPS tentative deal and what a 20% volume reduction actually signals about Amazon's logistics endgame. The Watson Weekly is sponsored by Avalara - the agentic AI platform automating global tax and compliance for leading eCommerce brands. For more details: https://avalaratax.watsonweekly.comNew April 2026 data on Buy Now Pay Later — not an acquisition tool, a retention weapon. Walmart-backed Eko and the quiet war for AI-ready product catalogs. How Revolve turns an absurd return rate into a full-price sales machine. The Investor Minute with Accenture's Ookla acquisition, ProfitMind's Series A, Lio's $30M procurement automation raise, and OpenAI buying Promptfoo.

Paying to have a sandwich delivered to your door or even replacing a broken appliance is as easy as clicking an app and worrying about the bill later. Apps like Klarna and Afterpay allow consumers to pay installments for goods they can have in hand right away. A new report by Lending Tree finds 4 in 10 Americans now use pay later loans for groceries, an increase from the previous year fueled partly in a rise in prices. Financial literacy experts warn of the potential for consumers to quickly lose control of spending with such apps, but even for consumers using conventional methods, keeping on top of increasing costs for food and gas means more disciplined spending, at least in the short term. We'll go over ideas for keeping a lid on personal finances. We’ll also hear about the uncertain future of a federal Native financial grant and loan program that is slated for elimination with President Donald Trump’s 2027 budget proposal. The $28 million dollar program aids Native communities with homeownership, credit building, and entrepreneurship, but the administration says it’s promoting, “cultural Marxism“. GUESTS Chantay Moore (Diné), certified financial educator Pete Upton (Ponca), CEO and chairperson of the Native CDFI Network and the executive director of the Native360 Loan Fund Break 1 Music: C.R.E.A.M. [Instrumental] (song) Wu-Tang Clan (artist) Enter the Wu-Tang: 36 Chambers [Instrumentals] (album) Break 2 Music: Further From the Country (song) William Prince (artist) Further From the Country (album)

After much speculation, Navajo Nation President Buu Nygren announced earlier this week that he will seek reelection later on this year. KJZZ’s Gabriel Pietrorazio has more. President Nygren became the youngest president in Window Rock after defeating incumbent Jonathan Nez four years ago. Nygren won that race by just more than 3,500 votes. In a video message on social media, Nygren picked up his signature, black open crown hat. “And I will be tossing my hat into the race for Navajo Nation president. Let's keep building on the momentum that we've built so far.” Since his inauguration, the sitting president has faced considerable scrutiny. A special prosecutor has called for his immediate resignation over alleged ethics violations that included the misuse of public funds, while Navajo Nation Council delegates continue trying to oust him. (Courtesy Mircea Brown) The nonprofit tribal organization Sealaska Heritage Institute has published a new book that presents Tlingit Raven stories for the first time in the original language with English translations. The 860-page volume brings together 50 stories by seven Tlingit storytellers born in between 1870 and 1915 across Southeast Alaska. As KCAW's Hope McKenney reports, the stories were transcribed from recordings of oral performances and include some of the oldest known recordings of these stories told in Lingít. The book is currently available through Sealaska Heritage Institute's website. Geiger says they also hope to make the original audio recordings of these stories available in the near future. 75-year-old Ḵ'ashgé Daphne Wright grew up listening to her aunt Katherine Mills tell her stories of Raven, a cultural hero, world-maker, and trickster figure among the Tlingit of Southeast Alaska. “I can just remember we’d be sitting in the kitchen, around the kitchen table, and it was maybe in the evening, with everyone just kind of sitting around and just listening, and just kind of a warm feeling. And just listening to my aunt’s voice.” Wright says reading this book, which features stories from her aunt, is like hearing her aunt's voice again. “I miss her so much, you know. And I miss my mother … And so it just means so much that there’s something here and an actual physical book that has her stories in it.” This volume has been more than four decades in the making. It is the fifth in a series of books from Sealaska Heritage Institute called the “Classics of Tlingit Oral Literature,” and is the first in the series to be exclusively focused on Raven. Will Geiger is a research specialist with the Southeast nonprofit. “The intention of this series is to present standout examples of the Tlingit oral tradition in a written form, so that people who whether you do speak Lingít or not, you’re able to appreciate the depth and the artistry and the history.” This book features a transcribed version of the original recording on the left hand page and an English translation on the right. Geiger says Raven is one of the most developed characters in the Tlingit oral tradition, with stories ranging from sacred to humorous. “Mostly, he appears in the form of a person. And he can change forms … He turns into a woman, a little hemlock needle … and a raven.” For Lgeik'i Heather Powell Mills, a Lingít language teacher in Hoonah, hearing or reading these stories in the original language leads to deeper understanding. “Hearing our language is it’s like medicine to us… to have a strong connection to the land, to understand where you come from, in order to know where you’re going.” Mills says she's grateful these stories were recorded and preserved for future generations. “We don’t have the time we used to have. I think this is a great way for us to learn. It was their dream for us.” Get National Native News delivered to your inbox daily. Sign up for our daily newsletter today. Download our NV1 Android or iOs App for breaking news alerts. Check out today’s Native America Calling episode Friday, April 10, 2026 – Money management during economic uncertainty and the rise of Buy Now Pay Later

Add $100k+ to your career earnings with tactics from my newsletter below!   https://thecareerearner.beehiiv.com/s...   Why do Gen Z and Millennials seem to use BNPL (buy now, pay later) so much? This video explores the buy now pay later model, breaking down the hidden economic pressures that seem to be emerging due to buy now, pay later and long term decisions shaping this trend of usage by Gen Z and Millennials for BNPL. This is a data driven look at what's really going on with the trap of BNPL and how young adults can be more wise with it.   Check out this page for more on gen z, gen z trends, BNPL analysis, why gen z uses buy now pay later, cost of living, personal finance, lifestyle inflation, housing crisis, student debt, financial pressure, economy and wealth building.   For partnership inquiries, please reach out to info@newmoneynate.com   This video is not legal, financial or any other type of "advice". I am not a lawyer nor a licensed advisor. This entire video is purely for educational purposes only and should not be understood as advice in any way, shape or form.

15. SMALL BUSINESS ECONOMICS AND LABOR CHALLENGES GUEST: Gene Marks Gene Marks discusses job data revisions, the rise of gas prices, and the "Buy Now, Pay Later" retail trend. He also explores the difficulties small businesses face with H-1B visas and COVID-era loan repayments. (15)AUGUST 1963

Pivot Opportunities for Startups Hello, this is Hall T. Martin with the Startup Funding Espresso -- your daily shot of startup funding and investing. The pivot brings additional opportunities to the startup. Consider using a pivot to add additional revenue streams and touch points to your business. Here are some examples: Consider monetizing the data flowing through your business by capturing and reselling it. Partner companies are ideal customers for this type of data. Add artificial intelligence tools to your product line. This could be chatbots that make it easier to interact with your product. Consider adding fintech tools to your product to help the customer buy the product. This could be a Buy Now Pay Later financial option. Turn your product page into an online marketplace and invite other companies to place their product on sale with yours. This will attract more customers to your site and provide valuable information about what customers are looking for. Finally, consider selling your product online through e-commerce sites. This will attract a new type of customer and generate additional revenue. Consider these pivot opportunities for your business. Thank you for joining us for the Startup Funding Espresso where we help startups and investors connect for funding. Let's go startup something today. _________________________________________________________ For more episodes from Investor Connect, please visit the site at: http://investorconnect.org Check out our other podcasts here: https://investorconnect.org/ For Investors check out: https://tencapital.group/investor-landing/ For Startups check out: https://tencapital.group/company-landing/ For eGuides check out: https://tencapital.group/education/ For upcoming Events, check out https://tencapital.group/events/ For Feedback please contact info@tencapital.group Please follow, share, and leave a review. Music courtesy of Bensound.

In this episode, Theodora Lau interviews Jennifer White, Senior Director, Global Banking & Payments Intelligence at J.D. Power, about consumer behavior, financial resilience, AI in finance, and future trends. They explore how consumers are navigating financial challenges and the affordability crisis, against the backdrop of “an era of resilience” — with two-thirds of Americans being financially unhealthy. They also discuss AI's role in financial literacy, MrBeast's move into fintech, why Chime is leading new account acquisition, and implications for existing players.Looking to understand the current and future landscape of consumer finance? Hint: Fundamentals in customer experience are more important than ever. 00:00 Welcome Back Jennifer01:24 Consumer Resilience Snapshot06:26 Holiday Reality Check16:21 MrBeast Meets Fintech23:46 Chime and New Account Churn28:41 Consumer Trust and AI Tools41:31 Back to Service FundamentalsHot take: "Basics of customer experience still matter."Keywords: AI, fintech, Buy Now Pay Later, Trust, MrBeast, Chime, Financial Resilience, Financial Literacy, Fraud, Affordability More about our guest 

Structural drivers of card networks charge ahead The card networks have historically been considered among the best and highest quality business models in public markets. But more recently, the card network stocks have de-rated as investors have grown concerned about perceived threats, from legislation to AI. Matt O'Neill recently reinstated coverage of the payments group and he joins the podcast to discuss these risks and why he believes fears are generally overstated. Relatedly, he discusses what transactions may look like in the future if consumers employ AI agents to do more of their purchasing and how AI may help with product discovery more imminently. We also address Buy Now Pay Later, which may not be the upstart it once was, but it's a segment where we expect compelling growth ahead, as well as an evolving business model.   You may also enjoy listening to the Merrill Perspectives podcast, featuring conversations on the big stories, news and trends affecting your everyday financial life.   "Bank of America" and “BofA Securities” are the marketing names for the global banking businesses and global markets businesses (which includes BofA Global Research) of Bank of America Corporation. Lending, derivatives, and other commercial banking activities are performed globally by banking affiliates of Bank of America Corporation, including Bank of America, N.A., Member FDIC. Securities, trading, research, strategic advisory, and other investment banking and markets activities are performed globally by affiliates of Bank of America Corporation, including, in the United States, BofA Securities, Inc. a registered broker-dealer and Member of FINRA and SIPC, and, in other jurisdictions, by locally registered entities. ©2026 Bank of America Corporation. All rights reserved.  

“หาเงินได้…แต่ทำไมยังไม่พอใช้?” นี่คือคำถามของ “น้องแฟ้ม” นักศึกษาปี 3 ที่พยายามทำงานเป็นไรเดอร์เพื่อเลี้ยงตัวเอง แต่กลับต้องเผชิญกับภาระหนี้จาก “Buy Now Pay Later” และสินเชื่อดิจิทัล รวมแล้วกว่า 12,300 บาท ต่อเดือน ปัญหานี้ไม่ได้เกิดจาก “รายได้ไม่พอ” อย่างเดียว แต่คือการเผลอสร้างรายจ่ายถาวร บนรายได้ที่ไม่แน่นอน จนทำให้ต้องหมุนเงินเดือนชนเดือน และเริ่มมองไม่เห็นทางออก The Money Coach Podcast เอพิโสดนี้ โค้ชหนุ่ม The Money Coach และ NamFinance จะพาไปแกะเคสนี้แบบละเอียด ตั้งแต่ “จุดที่พลาด” ไปจนถึง “ทางออกที่ทำได้จริง” ・ ทำไม “ซื้อก่อน ผ่อนทีหลัง” ถึงกลายเป็นกับดักที่อันตรายกว่าที่คิด ・ วิธีหยุดวงจร “หาเงินได้ แต่หาไม่ทันใช้” ・ การวางแผน Cash Flow สำหรับคนที่รายได้ไม่แน่นอน ・ เทคนิคจัดลำดับหนี้ และโปะหนี้ให้จบเร็วขึ้น ・ เมื่อไหร่คือเวลาที่ “ขอความช่วยเหลือจากครอบครัว” ・ Mindset สำคัญที่ต้องเปลี่ยน จาก “หมุนเงิน” เป็น “วางแผนเงิน” เพราะบางครั้ง ปัญหาทางการเงิน ไม่ได้เริ่มจากการไม่มีเงิน แต่เริ่มจากการ “ใช้เงินในแบบที่เราไม่เข้าใจมัน” ถ้าคุณเคยรู้สึกว่า “หาเงินแทบตาย แต่เงินไม่เคยพอ”หรือกำลังเริ่มใช้ PayLater / สินเชื่อดิจิทัล ตอนนี้…อาจช่วยคุณ “หยุดวงจรเดิม” ได้ทันเวลา ชวนรับฟังและตั้งหลักไปพร้อมกันครับ #TheMoneyCoachPodcast #TheMoneyCoachTH

In this episode, Theodora Lau interviews Jennifer White, Senior Director, Global Banking & Payments Intelligence at J.D. Power, about consumer behavior, financial resilience, AI in finance, and future trends. They explore how consumers are navigating financial challenges and the affordability crisis, against the backdrop of “an era of resilience” — with two-thirds of Americans being financially unhealthy. They also discuss AI's role in financial literacy, MrBeast's move into fintech, why Chime is leading new account acquisition, and implications for existing players.Looking to understand the current and future landscape of consumer finance? Hint: Fundamentals in customer experience are more important than ever. 00:00 Welcome Back Jennifer01:24 Consumer Resilience Snapshot06:26 Holiday Reality Check16:21 MrBeast Meets Fintech23:46 Chime and New Account Churn28:41 Consumer Trust and AI Tools41:31 Back to Service FundamentalsHot take: "Basics of customer experience still matter."Keywords: AI, fintech, Buy Now Pay Later, Trust, MrBeast, Chime, Financial Resilience, Financial Literacy, Fraud, Affordability More about our guest

Buy Now, Pay Later (BNPL)—how it works, why it's exploded with younger consumers, and the psychology that makes spending feel way easier than paying up front.

This Fintech CEO Is A Pioneer In Helping People Buy Now & Pay LaterGuestCharlie Youakim CEO Executive Chairman SezzleCompany Sezzle (NASDAQ: SEZL)Website https://sezzle.com/Sezzle Bio: Sezzle is a fintech company empowering the next generation to shop smarter and build financial confidence. Its all-in-one app combines point-of-sale financing with tools that help users manage spending responsibly. Sezzle connects millions of consumers with a global network of merchants through a transparent, easy-to-use platform.Charlie Bio: Charlie Youakim is a tech entrepreneur who has founded two companies, including Passport Parking and Sezzle. He currently serves as co-founder and CEO of Sezzle, a leading Buy Now, Pay Later platform focused on responsible spending and financial empowerment. Under his leadership, Sezzle has experienced rapid growth, completed two stock listings, and built key strategic partnerships, all while maintaining a strong commitment to transparent financial products and a purpose-driven culture.

One million Kiwis use a Buy Now Pay Later scheme, but not everyone is convinced the regulations governing them are adequate to protect users from harm Financial watchdogs want the rules about Buy Now Pay Later schemes strengthened, saying the last tweak didn't workFind The Detail on Newsroom or RNZ Go to this episode on rnz.co.nz for more details

A report has found new regulations haven't stopped people from getting into problems with Buy Now Pay Later services. 

Today - Nearly every purchase we make offers the “opportunity” to pay over time. Why Clark seriously despises Pay-In-4.  Also, Clark addresses the worsening doctor shortage and a related  profession that can help fill the gap. The Pay-In-4 Trap: Segment 1 Ask Clark: Segment 2 Ask Your Pharmacist: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Buy Now, Pay Later: A Helpful Tool or a Debt Trap? How Lemon Laws Safeguard Consumers from Defective Goods What Is a C.L.U.E Report and Its Impact on Your Insurance 5 Things To Know About Amazon Pharmacy Before You Sign Up Why Does Clark Howard Wear 2 Watches? [The Washington Post] Here's a proven way to slow aging. Any volunteers? Clark.com resources: Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Martin Lewis gives his advice on what to do if you are overwhelmed by debt. He answers a question from someone facing debt problems which are having a very serious impact on their mental health. We hear a beautiful tale of moving from homeless to homeowner – and Martin explains what to do next after you have bought a house. Martin answers a question from a listener who to know if they should use Buy Now Pay Later, a 0% Purchase Card or just save up.Plus, find out what to do if you have a current accounts you don't use.Plus Martin shares his remarkable hole-in-one golfing record.If you want to ask Martin a question, you now can! His Question Time podcast lets you ask Martin absolutely anything and everything (within reason!) – so if you've always wanted to know what colour his eyes are, what he's planning to do in his eventual retirement, or have a very complicated question about your personal finances, email it to MartinLewisPodcast@bbc.co.uk.

A) Three ThingsWar Weekend? Buy Now Pay Later, Bad LoansStrong Walmart Sales, But…B) Is the U.S. Economy Really Growing? Real vs. Nominal GDP Explained - Part 2C) PIPS Pick Of The Day Fall Down FridayTrade while you sleep and across time zones with Arbitrage Trade Assist. Sign up today at ArbitrageTrade .com. Arbitrage Trade is your trusted source for business, finance, and tech info.#finance , #stocks Hosted on Acast. See acast.com/privacy for more information.

In the 2010s, FinTech companies emerged offering a Buy Now, Pay Later service that made financing available, at a time when trust in big banks was low. But as dependence on these apps grows, consumers are starting to reassess the cost. Adam Clark Estes is a Senior Technology Correspondent for Vox — he's sharing what can happen when customers over-rely these services. Later, Annie Joy Williams, an assistant editor at The Atlantic, explains why women are becoming the biggest target demographic for Buy Now, Pay Later apps, and the consequences Gen Z consumers may face.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Klarna's popularity in the United States soars as the Covid-19 pandemic closes brick-and-mortar stores and online shopping surges. But Klarna also has a fresh wave of competitors. And as consumers find themselves sucked into vicious debt cycles, Klarna and other Buy Now, Pay Later services are forced to navigate a backlash and new government regulation. See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

It's been 27 months since this series's last installment, which means David has had time to quietly bottle up a fresh batch of entirely new irritations—all original, no repeats. This year's edition takes aim at the slippery phrase “Buy Now, Pay Later,” the suspicious preface “If I'm being honest…,” and the curious cultural surrender embedded in “In my day…“.Along the way, there's a certain Halloween-sized marketing sham, a conversational tic that may deserve early retirement, and a high-decibel train experience you may never un-hear again.Part humor, part language audit, part cultural critique—Pet Peeves returns to remind us that words matter, incentives matter, and yes… it is still your day. Sign up for The Motley Fool's Breakfast News here: ⁠⁠⁠www.fool.com/breakfastnews⁠⁠⁠ Order David's Rule Breaker Investing book here: ⁠⁠⁠https://www.amazon.com/gp/product/1804091219/⁠⁠ Host: David GardnerProducer: Bart Shannon Learn more about your ad choices. Visit megaphone.fm/adchoices

The big regulatory guns are out for Grok. Memory chip shortage now hit the Steam Deck. Manus is already coming to your favorite messaging app. Turns out Buy Now Pay Later really works for vacations. And another lengthy AI essay, this time detailing what it's doing, and has the potential to do to SaaS companies. EU privacy watchdog opens probe into Elon Musk's X over sexualised AI images (FT) Valve's Steam Deck OLED will be ‘intermittently' out of stock because of the RAM crisis (The Verge) Raspberry Pi soars 40% as CEO buys stock, AI chatter builds (Reuters) Meta-owned Manus launches AI agents on Telegram (SiliconRepublic) Airbnb expands its “Reserve Now, Pay Later” globally (TechCrunch) 10 Years Building Vertical Software: My Perspective on the Selloff (@nicbstme) Learn more about your ad choices. Visit megaphone.fm/adchoices

In the early 2000s, Sebastian Siemiatkowski identified a gap in Europe's burgeoning ecommerce market — consumers were hesitant to buy products sight unseen. Siemiatkowski's new company would front the bill and give consumers 30 days to pay. The concept caught on and helped kick off the modern Buy Now, Pay Later industry. And after conquering Europe, Siemiatkowski's Klarna set its sights on the U.S., determined to disrupt the credit card industry. See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Buy Now, Pay Later is boosting conversions, but quietly destroying margins. Buy Now, Pay Later looks like a conversion cheat code. Higher AOV. More checkouts. Fewer abandoned carts. But beneath the surface, BNPL is quietly bleeding eCommerce businesses dry.In this episode of the High Voltage Business Builders Podcast, Neil breaks down what most sellers are missing. BNPL customers return products more often, cost more to serve, and come with higher transaction fees than credit cards. When payments fail, merchants still eat the fees, the shipping, and the inventory risk.You'll learn why BNPL is not free money, how it impacts margins and cash flow, and what serious operators must track right now to avoid letting a payment method quietly destroy profitability. If BNPL drives a meaningful portion of your conversions, this episode is your wake-up call.

Danielle DiMartino Booth, CEO and Chief Strategist at QI Research, breaks down why the Fed's decision to pause was both premature and political, arguing Powell is "committing policy errors to quietly dig at the administration." She explains why the Fed should have cut today — and why she believes we need 100 basis points of cuts given deteriorating labor market data that Powell is choosing to ignore. Danielle unpacks the DOJ subpoena drama, revealing that betting markets dropped Powell's odds of leaving by August from 90% to 60% after the charges, and she believes he's now "enjoying the cat and mouse" with Trump. She revisits her open letter calling for the FOMC to elect Chris Waller as chair, explains why Rick Rieder would be "inviting the fox into the hen house," and shares her bold prediction: unemployment will have a 6 handle within a year. Plus, she discusses the hidden stress signals in Buy Now Pay Later data and why gold is behaving like a "meme stock." Links: Danielle's open letter: https://quillintelligence.com/2025/12/10/the-weekly-quill-open-letter-2/Danielle's open letter part 2: https://quillintelligence.com/2026/01/22/the-weekly-quill-open-letter-ii-public/Danielle's Twitter/X: https://twitter.com/dimartinobooth Substack: https://dimartinobooth.substack.com/ YouTube: https://www.youtube.com/@DanielleDiMartinoBoothQIFed Up: https://www.amazon.com/Fed-Up-Insiders-Federal-Reserve/dp/0735211655Timestamps: 0:00 Welcome 1:05 The Powell subpoena: Danielle's reaction 3:35 Betting markets: Powell leaving odds dropped 4:51 Powell is the cat, Trump is the mouse 5:54 Why Powell is being political by NOT cutting rates 6:35 How Powell moved the goalposts on rate probability 7:32 The contradiction: Integrity vs. ignoring the American people 8:33 Financial conditions are easy because of passive investing, not the Fed 9:19 The shutdown has affected data integrity 10:05 Outlook for the year: Rate cuts coming? 10:50 Conference Board labor differential — recession signal 12:06 Should he have cut today? Yes. We need 100 basis points of cuts12:52 Open Letter Part Two: Why the FOMC should have elected Chris Waller 15:03 Rick Rieder: Inviting the fox into the hen house? 16:34 Who will be the next Fed chair? 17:35 What we don't understand about Fed chair transitions 19:04 The questions reporters should have asked Powell 21:29 Hidden signal: Google searches for "file unemployment" keep rising22:28 Buy Now Pay Later for dental bills and utilities — the stress is real25:41 Gen Z risk appetite and the environment that shapes investors 26:45 Gold is a meme now 29:01 DoubleLine roundtable: Long utilities, short financials 31:14 Commercial real estate capitulation and bankruptcies 32:14 Bold prediction: Unemployment will have a 6 handle by next year33:20 Parting thoughts: Don't forget about your neighbors 33:45 Closing

Exploring Anvil protocol with Acronym Foundation President Tyler Spalding. Acronym Foundation President Tyler Spalding joins CoinDesk's Jennifer Sanasie to discuss how the Anvil protocol is turning digital assets into functional "letters of credit." Using his own Consensus 2026 sponsorship as a real-world test case, Spalding reveals how Anvil's decentralized collateral management is enabling a more transparent, frictionless version of the Buy Now Pay Later model. - This episode was hosted by Jennifer Sanasie.

Is "buy now, pay later" a debt trap or the future of finance? Affirm CEO Max Levchin says the real problem is the credit card in your wallet. On this week's episode of Bold Names, Levchin joins WSJ's Tim Higgins to discuss how his early days as a co-founder of PayPal led him to his latest venture: using “buy now, pay later” loans to reinvent how people buy things. We talk about why he thinks financing is more transparent than credit, the personal reason he hates late fees and how AI is changing shopping. To watch the video version of this episode, visit our WSJ Podcasts YouTube channel or the video page of WSJ.com. Check Out Past Episodes: The Boldest Ideas of 2025 — And What's in Store for 2026 Inside Visa's Tech-Charged Future: From Crypto to AI This CEO Says Global Trade Is Broken. What Comes Next? Why Bilt's CEO Wants You To Pay Your Mortgage With a Credit Card Let us know what you think of the show. Email us at BoldNames@wsj.com. Sign up for the WSJ's free Technology newsletter. Read Christopher Mims's Keywords column. Read Tim Higgins's column. Learn more about your ad choices. Visit megaphone.fm/adchoices

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