Paying to have a sandwich delivered to your door or even replacing a broken appliance is as easy as clicking an app and worrying about the bill later. Apps like Klarna and Afterpay allow consumers to pay installments for goods they can have in hand right away. A new report by Lending Tree finds 4 in 10 Americans now use pay later loans for groceries, an increase from the previous year fueled partly in a rise in prices. Financial literacy experts warn of the potential for consumers to quickly lose control of spending with such apps, but even for consumers using conventional methods, keeping on top of increasing costs for food and gas means more disciplined spending, at least in the short term. We’ll go over ideas for keeping a lid on personal finances.

We’ll also hear about the uncertain future of a federal Native financial grant and loan program that is slated for elimination with President Donald Trump’s 2027 budget proposal. The $28 million program aids Native communities with homeownership, credit building, and entrepreneurship, but the administration says it is promoting “cultural Marxism“.

GUESTS

Chantay Moore (Diné), certified financial educator

Pete Upton (Ponca), CEO and chairperson of the Native CDFI Network and the executive director of the Native360 Loan Fund

Break 1 Music: C.R.E.A.M. [Instrumental] (song) Wu-Tang Clan (artist) Enter the Wu-Tang: 36 Chambers [Instrumentals] (album)

Break 2 Music: Further From the Country (song) William Prince (artist) Further From the Country (album)