Is "Buy Now, Pay Later" (BNPL) a harmless convenience or a financial trap?

In this episode, Dr. Roger Hall argues that BNPL systems exploit the very human weakness that determines our life success: the inability to delay gratification.

Hall dissects this vital life skill using the findings of the Walter Mischel Marshmallow Test. Discover the stunning long-term data on the children in the experiment, and how their decision to wait predicted their success years later.

💡 What You’ll Learn:

• How investment and wealth generation are fundamentally based on delayed gratification.
• The exact demographic BNPL systems are designed to target.
• The powerful psychological cue that makes us spend more.
• How modern life (online search, food delivery) has eroded this vital skill.

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