 Now, Apple just announced that they're going to be reporting their buy now, pay later purchases. So it actually shows up on your credit board. So once Apple does it, the other ones are sure to follow. So you just have to remember, if you can't afford it now, you probably just can't afford it later. So I know it's so tempting because wherever you check out, it says, oh, do you want to split this into equal payments? And you're like, yes, that would be fabulous. Just say no. Hey, speaking of, you might be wondering, like, what happens if you don't pay?