I'm so glad you're with us on the Clark Howard Show.

Our mission is to serve you with advice and information that empowers you so that you make better financial decisions in your life.

One decision you'll make is to subscribe to our free newsletters at clark.com slash

newsletters. In today's episode, it seems like every purchase we make is giving us the opportunity

to pay overtime.

I want to tell you why I despise pay in for.

Also, over time I've talked repeatedly about the extreme shortage of primary care of physicians in the United States.

I've talked about NPs and PAs as filling the gap.

I talked recently about doctors of osteopathic medicine or filling some of that primary care gap.

But there's something else I've not talked about that I got a talking to by one of these professionals

recently and I thought you know what he's right I'm going to share that with you later in this

podcast so by now pay later pay in for This is something that became popular first in Australia.

And like a plague that knows no boundaries, no ocean too big, nothing was able to keep this hideous

virus from infecting the United States.

And now everywhere you turn online and then physically when you're in a store,

paying for, paying for, paying for, pay and for, for easy payments, all designed to boost consumer spending.

And it worked so well in Australia

that banks in the United States could not wait to have it here.

It is a trap, an ugly trap,

that harms people each and every day.

Why am I so exercised about this?

And I want you to think about it.

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