> Invariably... Hate to throw a variable into it, but I usually spend less than 50% of my income (after savings and retirment), and I still use BNPL and paymen

> Invariably... Hate to throw a variable into it, but I usually spend less than 50% of my income (after savings and retirment), and I still use BNPL and payment plans when I can get interest rates and fees for under 10%.