Buy Now Pay Later is something that has really come up in recent years. Companies are raising hundreds of millions in debt to put on their loan books so they can issue credit for companies to allow customers to buy now and pay in installments. Now obviously it becomes a credit product but it's also something that hasn't fallen under a lot of structured regulation. So it's been a little over the place, but it has allowed companies like Clana to grow into massive unicorns with a lot of companies following their cocktails. Now I'm wondering if this is a product that you have or will use, how you found it, if it has been a convenient product or if it's something that has caused more trouble than it has caused pleasure because a lot of people end up falling into traps buying now then setting themselves up to paying in installments but ending up actually eating into all their entire salary and struggling to them make ends meet while having a massive amount of credit they still need to pay and well and uh falling into the debt debt debt trap so yeah do let me know your thoughts on on the the NPL. Do let me know how you feel about it if you've used it and I'd be very curious to know more.

Yeah I'm in the side of industry is quite interesting it it started off with sort of a payday loans and quite in a loan shark type company is taking advantage of people an hour into like BNPL which I think is a lot better but still has

Actually he is Klarna I don't know if I just recorded that I actually used Klarna whenever I was an automotive I had a gala coming up and I had to order an outfit for it and there were issues with like five or six deals so I hadn't been pay commissions so like all of my money was going to like it necessities which a gallon thing obviously it's not a gallon outlet whatever right And so I think I'll pay the $25 payment but I will tell you it was a little bit difficult to pay everything off early Klarna doesn't tip didn't like it

Do you know something else that I'm realizing listening to you and Harold I don't understand money or fight like finances like I don't Anyway and I know that I was like raising a family and manhandled it in like anyway but yeah so Fucking idiot whenever it comes to money and finances and I didn't even I didn't understand have so if you guys say

I don't know what the fuck that is I'll buy now pay later hell no that's broke my behavior

I have not use this product yet as usually what we have credit cards for buy now pay later I think it's just another business ploy for businesses to sell product and an easy way to write off stuff that isn't being used because you know people have insurance on their credit and they're like all these people didn't pay well just send it to collections and write it off so yeah

Nobility is it common staple of the credit card that one of the mini savage is the humidity so you see the vet versus it gives you such a discount on things if you mean by but if you can come back to Billy do you have created a charges a great amount that's leading to the business success you see the predatory on the irresponsible people's butt when is wisely it can you do got it pop it

Is understand the use for about what's going to happen as I feel like the next session is going to be as this by now pay later culture gets bigger and bigger

So I've use after pay and zip pay and I find them really good if you're like really responsible and gonna pay it like pretty much the next week or something like that arm but other than that yeah they can be a bit dangerous

Yes, it's an Aussie accent and oh my god, I literally thought afterpay and zip pay were like everywhere. Um, that's so funny, but yeah, so what I was saying is you can pay it in installments, but usually I just will **** off after pay and then I'll like a week later get my pay and then paid all.

A minute and forty seconds bro, I ain't listenin' to all that, get the fuck outta here bro.