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How Buy Now, Pay Later Impacts Your Credit, Alternative Investments & Takeaways from the First Half of 2025
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John Owens CFP®, EA, ECA, CPWA® and Ed Zolotarev CPA, MST, CFP® fill in for AJ and Shane on this milestone 150th episode of The Liquidity Event.
FICO (Fair Isaac Corporation) is finally figuring out what to do about your outstanding Klarna loans. We discuss how “buy now, pay later” services might soon impact your credit score.
TLDR: It probably isn’t the best idea to finance your DoorDash order over 4 months.
Plus, alternative investments are getting a lot of attention right now. Why are private equity firms suddenly sliding into your DMs? We examine the dry IPO market as one of the root causes.
Then a Reddit question: how many kids should you have from a financial perspective?
Finally, our biggest takeaways from the first half of 2025.
Key Timestamps:
(6:25) FICO's buy now, pay later integration rollout
(9:30) Why financing experiences is financial quicksand
(12:20) Ed's Affirm baby monitor financing experiment
(15:56) Alternative investments moving down market
(19:20) Why the IPO drought is forcing PE firms to get creative
(24:10) Reddit question: How many kids should you have?
(29:25) First half of 2025 takeaways
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