I

See that's where you're doing it wrong. I went all in you got to go all in but then I feel like then I'm owned by

You're already own your own by Amazon

I would oh that's a good question if you're gonna be owned by one big tech company

That's a frightening scenario

Hey guys, welcome to this episode of the Rachel Crucio podcast. I'm so glad that you're here

So in this episode we're gonna talk about the best and worst ways to shop you'll hear a conversation

I have with my friend and Ramsey personality George Campbell about 12 products that we can't live without

It's a pretty fun part of the episode. I can't wait for you to hear it

And we're gonna break down why there are favorites

But first let's talk about the worst way to shop take a listen

Today we're gonna talk about the latest financial craze that kind of makes me cringe

Bye now pay later. Yep, so this has been a concept that's been around for a long time

But it recently got very popular it actually started picking up a lot of steam during the pandemic

And now it is a hundred billion dollar industry

So if you're not familiar with services like after pay a firm clarna zip zilch

sezel and other

Companies like this that allow customers to pay for items and interest-free installments

You might think well, that sounds great interest-free

But listen, they're still late fees and penalties if you miss payments

Which happens a lot a recent survey showed that more than a quarter of consumers cannot afford

They're by now pay later payments

...