Gen Z is favoring a different kind of spending than previous gens: buy now, pay later (BNPL). YPulse’s Finance / Spending Monitor data shows 37% of 18-24-year-olds have used a “buy now, pay later” or payment installment service, with another 23% interested in it. Paying upfront isn’t always realistic for this gen—they’re juggling entry-level wages, rising living costs, and an economy where saving feels almost impossible. Even though previous gens relied heavily on credit cards to alleviate their money problems, Gen Z sees them as risky. It’s partly because don’t want to accumulate any more debt being as cash-strapped as...