Buy Now, Pay Later: How “Pay in 4” Rewires Spending

Buy Now, Pay Later: How “Pay in 4” Rewires Spending

March 16, 2026 · 18 min · Episode 143

About this episode

This episode explores the Buy Now, Pay Later payment method, its appeal to younger consumers, and the psychological factors that facilitate easier spending.

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.

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