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this post was submitted on 30 Jul 2025
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it legit fucks me up when people light up about "but now pay later" schemes.
like it's one thing if it's some mission critical expense, like your furnace shit the bed or whatever and youre one of the 99% of Americans who don't have like $9K on hand.
but I know people who legit buy rich people toys like that, or weirder still, people who could cut that check but instead get on a payment plan because $200/month for x years sounds cheap compared to parting with that much cash now.
also, nobody seems to ever read the terms on those 0% financing deals where if it's not completely paid off by the end of the initial term, you get retroactive interest on the full, original amount borrowed at some insane credit card type of rate.
wow i didnt know thats how the 0% financing works. holy shit. that should be illegal.
it isn't always like that, but I'll be damned if every one doesn't have that kind of bomb baked into it.
we should all be very wary of the people and places offering 0% interest when banks want 5%.
This is the key. Nobody gives money away. They government doesn't even give money away. Hell, the government doesn't even give money to itself.