In this episode, I dive deep into the increasingly popular "Buy Now, Pay Later" trend—and why I believe it might become the next major credit disaster. After a recent interview with Fox Business, I realized there was so much more I needed to share with you—things I couldn’t say in just a few minutes on TV.

We’re talking about financing fast food, missing payments that can crush your credit score for up to seven years, and the ripple effect of habits most people don’t even realize they’ve formed. I am breaking down how these seemingly harmless purchases can spiral into long-term damage—and why this shift to reporting BNPL to credit bureaus is such a game-changer.

  If you’ve ever thought Buy Now, Pay Later was a harmless convenience — this episode is for you. I’m pulling back the curtain on what BNPL really means for your credit, how it could quietly wreck your financial future, and what you need to know before you make your next purchase. Whether you’re just getting started with credit or trying to rebuild, this episode will help you make informed, empowered financial decisions.