“Buy now, pay later” sounds harmless. Four easy payments, no interest, and you’re done. But in this episode, Tré and Sierra Bynoe break down why services like Klarna are anything but free. They uncover how BNPL programs encourage overspending, trap users in hidden fees, and target the most financially vulnerable. From financing groceries to making payments on a coffee, this trend is reshaping how young Canadians use debt—and not for the better. Tré explains why “borrowing from your future self” always comes at a cost, and what to do instead if you want lasting financial stability.

You’ll learn

• How “buy now, pay later” programs really make money
• The behaviours that lead to debt traps
• Who’s being targeted—and why it’s not an accident
• The long-term cost of borrowing for lifestyle spending
• A simple mindset shift to protect your future finances