Make Money by Avoiding Payment Plans on Burritos

In this episode, Travis and producer Eric dissect the troubling rise of “buy now, pay later” schemes—from renting Jordans for 53 payments to financing Chipotle burritos with Klarna. Together, they break down the dangers of weekly payment plans, the psychological tricks behind small recurring payments, and the growing $82B debt problem fueled by these fintech innovations.

• The rise of “buy now, pay later” apps like Klarna and Affirm, now offering financing for everything from shoes to lunch—why this is NOT financial freedom

• Why weekly payment structures psychologically lure customers, obscuring actual costs (“just $19 a week” means more than $1,000 over a year for a pair of shoes)

• Klarna’s CEO admits most shouldn’t finance small purchases—yet the option is everywhere, and millions fall for it

• How buy now, pay later debt is now practically invisible to traditional credit monitors, with 90–100M Americans using these services and $82B spent in 2024 alone

• The discipline myth: Why sustainable wealth and financial self-control depend on removing temptation, building habits, and automating savings over time

• Weekly or daily payment plans are a predatory marketing tactic—real wealth is built by delaying gratification and refusing to finance wants as needs.

• Buy now, pay later isn’t a “hack”—it’s the same as a credit card, minus visibility, with consequences just as severe if payments are missed.

• The solution: erase easy credit temptations, automate real savings, and focus discipline on building income, not propping up short-term purchases with debt.

• “If anybody is offering you weekly payments for shoes, it’s because it’s a ridiculous idea.”

• “You haven’t earned the right to convenience purchases until you’re financially free—build habits, not more recurring payments.”

• “No one will care for your financial health except you. Take accountability—and avoid the Klarna burrito trap.”

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