Hey, everyone. Thanks for joining me this week. My name is Laura Adams. I'm a personal

finance expert and author who's been hosting the Money Girl podcast since 2008. If you're

building a business or maybe you're just looking for ways to earn more income, I would

love for you to check out my recent book. It's called Money, Smart, Solo, Prenour, a personal

finance system for freelancers, entrepreneurs and side hustlers. It was an Amazon number

one new release and of course you can get it at Amazon and everywhere books are sold

either as a paperback, e-book or audiobook. If you've been enjoying Money Girl, please

take a moment to subscribe, maybe even submit a review that really helps new listeners understand

what the show's all about. And if you've got a money question or a comment, you can leave

a message 24-7 on my voicemail line, just call 302-364-0308. And you can email me directly

using my contact page at LaraDatams.com or you can connect on Instagram at LaraDatams.

The mission here on Money Girl is pretty simple. It's just to help you get the knowledge and

motivation to prioritize your finances, build wealth and have a lot more security and

less stress. That's really what it's all about. It's learning how to use your precious

financial resources wisely. So you enjoy life today, but you're also taking care of your

future. That's never been more important. So today's show was inspired by several questions

I've received from listeners about various buy now pay later offers or BNPL, as you'll

see it called, these buy now pay later offers are becoming a lot more popular. You're seeing

them at checkout, carts online, maybe even in local stores. You all have asked about whether

they really are interest-free, how they compare with using a credit card and the pros and cons.

If you're ready to understand more about BNPL and whether these offers are right for you,

please stay with me. To chat about everything you need to know related to BNPL, I interviewed

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