I'm the same demographic as you. 40s, not rich (especially compared to some other HN readers) but not hurting per se. I live well below my means. When I was you

I'm the same demographic as you. 40s, not rich (especially compared to some other HN readers) but not hurting per se. I live well below my means. When I was younger it was a different story. I had higher tastes for things but couldn't afford them. I didn't go run up the credit card though just because I wanted it. I think that's the difference. Buy Now, Pay Later only applied to cars and houses for me.