Everything we see today is 100% designed to make sure that you continue spending and partying with your hard earned money
Reading time: 5 min
In today’s society, taking on debt has become so common that it almost feels like the new normal — even a trend.
Everywhere we turn, we’re encouraged to spend — to upgrade, to treat ourselves, to live in the moment.
Whether it’s a mortgage, car loan, credit card, or “Buy Now, Pay Later” (BNPL) plans, taking on debt simply means you’re spending tomorrow’s income today.
And when you spend money you don’t have, you’re going into debt and handing banks a golden opportunity to profit from interest.
But it doesn’t have to be that way for you.
You have the power to achieve financial freedom — all it takes is breaking away from the status quo and stepping away from the cycle of dependence on banks and the financial system that keeps so many people trapped.
It’s a hard truth, but our leaders — including the government, banks, and other financial institutions — are not focused on solving your financial problems.
Governments want people to spend because it keeps the economy growing, and businesses want people to spend because it keeps their profits rising — even if it means many end up deeper in debt.
The financial system itself is designed to make borrowing easy. Instant credit approvals, contactless payments, and “Buy Now, Pay Later” options make it effortless to say yes in the moment — often without thinking about what it really costs later.
One of the clearest examples of this is the rise of BNPL services. These allow you to purchase something now and pay for it in instalments over time — often through a partner when you check out online or in store.
But unfortunately, more and more people are turning to BNPL on top of their existing credit card debt, mortgages, and car loans — essentially stacking more payments on top of an already heavy financial burden.
And guess what? That’s great for the economy, but not for you.
What’s even more concerning is that many people are using BNPL not as a convenience, but as a last resort because they’ve already maxed out their credit cards, and this is the only option they’ve left to get credit somehow.
Those who are taking “Buy Now, Pay Later” loans the most are the age group of 35 and younger in the United States, representing more than half of the people, with some even relying on it for daily essentials like groceries or alcohol. Others use it to fund vacations and extravagant purchases they can’t actually afford.
But here’s the problem: BNPL doesn’t fix anyone’s financial situation. It’s just another form of credit, another way to keep people in debt.
The truth is, the entire financial system — from banks to governments and central banks — benefits when people continue spending and borrowing, because that’s what keeps the economy moving and profits growing.
It’s especially concerning that many younger borrowers — especially those already burdened by student loans — often don’t realize how quickly overspending can spiral out of control with BNPL. Since there are virtually no barriers to using it (just a quick tap on an app), many don’t stop to consider the consequences until the bills start piling up.
The truth is that every time you make a purchase without paying upfront with your own money, you’re using some form of credit — which means you’ll have to repay it later, and for many, that reality doesn’t seem to register. People continue to spend impulsively, assuming they’ll “figure it out later”.
Unfortunately, that’s exactly how so many end up trapped in financial stress.
The Root of the Problem:
A Lack of Financial Education
Many people fall into the debt cycle not because they’re careless, but because they were never properly taught how to manage money.
If you grew up in a household where financial literacy was discussed openly, you likely absorbed good habits by observation. But most people weren’t that lucky.
Schools focus heavily on academic subjects, while practical life skills — like budgeting, investing, or understanding credit — are rarely taught. That gap leaves many young adults unprepared for the realities of money management. They step into adulthood facing student loans, rising living costs, and easy access to credit — without the knowledge to navigate it safely.
And why would the system want to change that?
The economy depends on people spending money they don’t have.
There’s no incentive for governments to introduce financial education when the current model ensures a steady flow of consumer spending.
Spending money feels good — it triggers a quick rush of excitement, much like a small reward to the brain. That’s why buying something new can feel satisfying, even if you can’t fully afford it.
That expensive designer bag? The latest phone or gadget? They might feel great in the moment, but the thrill rarely lasts. As we grow older, most of us realize that these things add little lasting value to our lives.
The truth is, debt doesn’t just cost money — it costs peace of mind. Juggling multiple payments, deciding which bills to pay first, and worrying about looming deadlines can quietly add pressure to your daily life. Many people start borrowing as a convenience, or to keep up with trends, only to later find themselves trapped in a cycle that limits their options.
Now imagine the opposite: You have money in the bank. You pay for things upfront. You don’t worry about interest or repayment dates. That’s financial freedom — and it’s more achievable than most people think.
Financial freedom isn’t about deprivation or cutting out everything you enjoy.
It simply means getting your priorities straight — understanding what truly brings you happiness and making intentional choices about where your money goes.
Once you embrace the idea that the goal is to spend YOUR money — not borrowed money — it will completely change your life.
You begin to prioritize stability over instant gratification.
You stop chasing trends or trying to keep up with others.
You start focusing on your own growth — saving, investing, and building a solid foundation.
Now more than ever, it’s critical to take control of your finances as the cost of living isn’t getting any cheaper.
So don’t follow the crowd or chase trends.
Instead, break free from the cycle of debt, and you are gonna be light-years ahead of most people.
Focus on saving and investing, and take charge of your financial future. Instead of making the wealthy even richer by endlessly consuming, start building your own wealth.
Because at the end of the day, the goal isn’t to keep up with the herd — it’s to get ahead.
