Cara: Pay later is a train wreck for a younger generation. She says young people don't need to delay gratification, they can buy it now and have that. Cara: I think the structural issue here is that we've decided you can borrow 28 thousand dollars to go to the joe bagadonuts beauty school. So why delay the gratification of feeling like i'm doing something for myself? And i'll take out student debt. The universities love it, cause they cash your check, and they're not on the hook for paying it back. You are. But it's this notion we're we live in a society where we're training our youth that they don't need