In this episode of the Get Out of Debt Guy Podcast, Steve and Damon dive into the mind-boggling world of financing your fries. That’s right—DoorDash is now letting you pay for takeout in installments with Klarna. Sounds convenient… but is it a clever trick or a financial trap?
From missed payments tanking your credit score to racking up phantom debt for burgers and burritos, we unpack the real cost of this global trend. You’ll hear why Klarna loves your Big Mac more than you do, how impulse spending feels cheaper when it’s split into four payments, and why this isn’t all that different from charging beer emergencies in the ’80s.
Plus, Damon shares a contrarian take no one else is talking about (yep, it involves tips, side hustles, and a woman who DoorDashed a $600 Target order), and we hit you with a dose of reality: just because you can finance fast food doesn’t mean you should.
🍟 Fast food meets funny money—get ready to laugh, learn, and maybe rethink that late-night DoorDash.
If this hits close to home, boop that like button and don’t forget to subscribe. And if you’re drowning in Klarna payments or thinking about flipping the script and becoming a delivery driver, Damon’s got your back at DamonDay.com.
🚗💸 Final tip: Before you Klarna your cravings, consider delivering the fries instead of financing them.
Transcript
[0:00] Hey, everybody, welcome back to another episode of the Get Out Debt Guy podcast. I’m Steve Rode, the old Get Out Debt Guy. And with me today, as always, is my partner in financial truth-telling, Damon Day, the new Get Out Debt Guy. Say hey, Damon. Hey, Damon. So here’s what we’re talking about today, and buckle up, because this one’s kind of wild. DoorDash just announced that you can now pay for your takeout and installments using Klarna.
[0:30] Yeah, you can now finance your fries. It’s being sold as convenience. But what’s really going on here? Well, this might feel like a brand new twist here in the United States, but it’s not when you look beyond our borders. Over in the U.K., Deliveroo has been already offering Klarna’s Eat Now, Pay Later options since 2022. And Klarna has also teamed up with Uber and Uber Eats in Sweden and Germany to let people split their cab rides, taxi rides, Uber rides, and food deliveries into interest-free payments.
[1:04] So this isn’t a one-off. It’s not an initial test. It’s part of a global shift, normalizing the idea of going into debt for fast food. And now that trend is knocking on your door, literally, with your damn DoorDash order.
[1:20] And here’s where it gets even more concerning. These buy-now-pay-later platforms like Klarna are now reporting higher missed payments than credit cards. And people aren’t just using them for burgers and burritos. They’re using them to buy groceries and gas and cover bills just to stay afloat. So stick around, because in this episode, we’re breaking down why companies love you when you pay in installments and why Klarna, what they get out of this deal. Because if this is hitting a little too close to home, hey, just hit that like button now. show us some love.
[1:57] Remember, if you want to talk to Damon, you can visit him at DamonDay, D-A-M-O-N-D-A-Y.com. Don’t forget to subscribe and let’s dig in. So Damon, what did you think when you first heard this announcement? Well, I first heard it from you. You sent me an article and kind of, I don’t know if you had a laughing face on there or something. I don’t know. Or maybe you just sent it and I had a laughing face response. I can’t remember.
[2:23] But since you sent that, you know, I guess it was announced last week. And then I’m just seeing videos everywhere of people talking about this Klarna DoorDash thing, all the influencers, everybody. Everybody’s got the same take. It’s horrible. Don’t ever do this. I even saw a Dave Ramsey reaction and I could have told you Dave Ramsey’s reaction. I didn’t need to actually see it. Yeah. But yeah, it’s, it’s everywhere. Um, and, and, and it seems to be a hundred percent of people are against it. Although I have a little bit different spin on it. Um, I’m going to have a little bit different take on it. I think overall it’s probably what most people are thinking, but I think there is some, I don’t know if positive is the right word to it, but I have not seen anybody with this take before. So we’ll see. You’ll probably disagree with me, but what else is new?
[3:20] Yeah. Well, you know, it’s interesting you say that, you know, all the people are outraged about it, except for those that are using it, because buy now, pay later is a growing trend.
[3:32] And more and more people are using it. One of the reasons they’re using it is what I like to call the illusion of affordability, right? It makes you feel like you’re spending less when you’re actually spending more. When buy now, pay later is available, impulsive shopping visits become 13% more likely to result in a purchase. That’s no surprise. It’s just the simple psychological trap of making smaller payments for having something that you want right now.
[4:05] Yeah. You know, it was funny in some of these videos I was watching, I came across somebody had posted a video. I think it was 1993. Burger King is a big announcement. Burger King started accepting credit cards. Yeah. And people were outraged about why do you need to put your, your, your, uh, what is it? What’s Burger King? It’s not a big whopper. Why do you got to put your whopper on a credit card? And now I never pay cash or debit card for a whopper. I put everything on a credit card.
[4:40] Well, you know, while people are outraged about this, it is absolutely nothing new in my lifetime. When I was a kid, before we had modern financial services, we had the Christmas Club, right? Kmart would let you divide up what you were buying for Christmas in monthly installments. It’s a way to help people make a sale when they don’t have the cash right now. It’s nothing more than that. Well, I think, I think like anything else, there is definitely the potential to get in trouble from a consumer standpoint with it, right? You get too many of these things stacked up and then you start not able to make the payments because if you, if you can’t afford the meal, you know, today and you, and you put five, six, seven Klarna payments over the course of a month down on different DoorDash things. And then the next month you do it again and the next month you do it again, now all of a sudden that stacks up on you pretty quick and then you’re going to be missing payments on other things or missing the payments on Klarna. And then that’s where, because a lot of people say, hey, it’s interest-free, and it is. If you get the, I think the four-pay interest-free, I think something like that. But then if you miss payments, now they get you with some late fees on top of that. And then those can start to stumble. Yeah, I think you’re looking at $7 per missed payment capped at 25% of the order value.
[6:02] So, for example, you do the math on a $30 purchase, that’s nearly a 25% penalty.
[6:08] That’s what they’re hoping for. That’s where they make their money. And you mentioned stacking, payment stacking, also known as phantom debt, as I remember it. Statistics show that 60% of buy-now-pay-later borrowers borrowers, hold multiple simultaneous loans with a third of them using multiple providers. So, you know, I think, isn’t there one called Afterpay or something like that in the corner? Yeah, there’s Afterpay and Affirm, and there’s a whole bunch of them now. Yeah. So you go to buy something, you want to get that fancy new Apple headset or whatever, and it’s $500, but you can pay in four easy installments.
[6:53] I don’t care what all the outraged people say. People are going to do it. Yeah. And, I mean, honestly, I like it better than payday loans, payday lenders. I mean, at least you have the ability to, you know, pay on. If you pay on time, you’re not going to get charged. And the other thing with DoorDash, because a lot of people just immediately think it’s the Big Mac. Well, DoorDash has been expanding. They actually do, you know, like you mentioned, grocery delivery. Um a few months ago i did a shop for a customer and it was over 600 at target it wasn’t even groceries it was they bought a vacuum and several other things so how is that like something like that is no different than somebody using a clarna or an afterpay to buy to make a you know a large order at walmart or whatever now from a consumer standpoint i would say well if you’re going to buy a vacuum and all, you know, $600 for the stuff at Target and you need to put it on Klarna, it doesn’t make any sense to DoorDash that crap because I mean, I got paid $80 to, to, to, to do that delivery. And I don’t know what the DoorDash fees were on top of that. So all that stuff that I got at Target could have easily been purchased at Amazon and had it delivered for free probably the next day. So DoorDash is just not economical in the first place. That’s the problem with DoorDash.
[8:14] They financed your tip. Yeah. Well, that was one of the things I was going to bring up. So, you know, for every winner, there’s a loser, right? And every loser, there’s a winner. So you mentioned earlier, well, DoorDash loves this stuff because with this partnership with Klarna, it’s obviously going to encourage more use of the service where somebody might be sitting there and it’s, you know, Thursday night, but they don’t get paid until Friday afternoon and they’re starving. or whatever. Gotta get your alcohol. Yeah, and they got $10 in their checking account, but they know they’re gonna get paid tomorrow.
[8:51] Well, with Klarna, they might, you know, depending on what that first payment is going to be or whatever, that makes it more likely they make that buying decision. Now, to your point, they shouldn’t be making that buying decision. They should just go without, you know. But from DoorDash’s standpoint, that’s going to be more customers utilizing the service because they, what was the term that you used?
[9:17] They feel richer than they are. You had a nice term for it. The illusion of affordability. The illusion of affordability, right? Yeah. So that, from DoorDash standpoint, that’s going to come into play. Now, from the driver’s standpoint, is this going to increase orders on the platform? Probably. So that’s good for drivers. Is this going to potentially increase tips?
[9:38] Potentially, because now you’re feeling, again, the illusion of affordability. I can afford to ball out and give this guy $10, right? Ball out, put it on Klarna. Now that’s only $2.50 today, and this guy gets $10, and I feel like a hero. So the drivers might start seeing better tips because if somebody is at it from a cash flow perspective where they feel like they need a Klarna to order their DoorDash, without the Klarna, that person probably wasn’t going to tip very much because they were already scraping by. But with that ability to, oh, I can spread it out. Oh, I can tip this guy, you know, what I feel like he deserves for doing this for me. And I’ll worry about paying it later. So bad for the consumer for sure. Good for drivers, good for DoorDash, good for Klarna. You had me laughing because, you know, you were talking about it’s Tuesday night and we got to order something. I was thinking alcohol, a case of beer or something. This is how much times have not changed Because a little over 45 years ago I got my very first credit card.
[10:47] And I got it in case of emergencies. And my very first emergency that I had to put on the credit card was I was supposed to bring the beer.
[10:58] I think I heard this story. It’s been like 10 years, so I don’t know. But it’s not different than, you know, hey, it’s my turn to bring the beer. Let’s get DoorDash to deliver it because they will and put it on Klarna.
[11:13] Yeah. Yeah, I do. I do alcohol shops all the time. The nice thing about the alcohol shops oh maybe i should preface for those of you that don’t know we do another uh channel on youtube called penny stupid where steve and i try out these different side hustles um just thought i’d clarify that so people are like wait a minute how much alcohol has he bought no they’re gonna who’s this financial consultant that’s a doordash driver what is what is going on what is he what does he mean he he did a 600 shop for somebody what’s he talking about anyway i do these side hustles um you know to show people how to make money and actually they can be fairly lucrative if you well lucrative for a a little side hustle that was super flexibility not lucrative like you’re gonna um retire from whatever you’re doing and go be a full-time door dash driver don’t ever do that um but yeah podcast on uh simple stupid millionaire i mean stupid simple millionaire and we were talking about how a little side hustle can really build up over time but i digress go listen to the previous podcast if you want to know more oh Oh, side hustle can help you retire. I’m saying don’t turn a DoorDash side hustle into full-time income. No, no, no, no.
[12:20] You know, here’s something that you probably are not aware of, that Klarna actually reports to the major credit bureaus. Yeah, I think that I saw something that’s fairly new, though. They didn’t used to. Well, they’ve done it since 2022, and they’ve been reporting late payments that have negatively affected credit scores. Oh, they report late payments, but they don’t report. Okay, that makes more sense. Yeah, because I was like, I haven’t seen a client that had a Klarna. I have clients that have Klarna payments, but I’ve not seen a client’s credit report that has Klarna payments on there. But yeah, that makes sense if you’re late. Yeah. Yeah. So if you fail to pay for even a small purchase, not only are you going to get hit with a fee from Klarna for missing that payment, You’re going to get reported to the credit bureaus And Klarna is known to sell their debt to collection agencies.
[13:15] So even a small debt, you know, once you get the collectors tacking on their fees and all that stuff, you’re looking at, you know, that Pizza Hut delivery costing several hundred dollars at least. That’s true. But again, it’s like anything else. Same thing. If you put something on a credit card and don’t make the payment,
[13:36] you’re going to have the same problem. So, I mean, one of the potential, if you want to look at it as a benefit or not, depends on your perspective, but Klarna, Affirm, Afterpay, you know, these things, if you’re not, if you’re trying to buy a Big Mac, but if you’re trying to, you know, make a purchase and, you know, things are tight and you’re buying a Christmas gift or something like that or whatever, and you can do a for pay and just kind of spread it out.
[14:01] These buy now pay later apps are usually easier to get approved for than an actual credit card if your credit is let’s call it suspect so for people in that situation where they don’t have access to a credit card and again i’m not saying it’s financially a prudent move to be you know putting these putting all your purchases on on these you know buy now pay later kind of deals but for those people that may need that in a pinch or something like that and they can’t get access to a credit card, these are kind of like, the… It’s like a store card. Yeah, kind of like the middle ground where they could probably, you know, I’d much rather them get a Klarna, um, loan, then go get a payday loan because they’re like, I got to buy this thing. And, and you know, I don’t get paid for four more days. So I’m going to go to a payday lender and they’re going to just take it out of my check at 80% interest or whatever it is. I’d rather them get a Klarna for pay. So, so there are times when these things can work, but I do disagree with using it because you need the McDonald’s and you want to get the DoorDash and like the lady with, with Target. Now, granted, the house that I delivered that Target delivery to, she did not need Klarna.
[15:20] So for her, that was just a convenience thing. She wanted the stuff today, she wanted the stuff that was at Target, and she was fine with paying a very large premium to have somebody just go do it for her. Yeah, convenience chart. But that’s different than, okay, someone like that is going to then need a Klarna. So the whole point is, if you need a Klarna, just go to Target and get the stuff yourself, you’ll save a lot more money. Yeah. We’ve talked about it before. The alternative to DoorDash is put your ass in the car and go get it. Yeah. Or Amazon, bro. Yeah. I mean. Yeah. Amazon. You don’t tip the Amazon driver. You pay for the Prime and that’s it. There’s no tip mechanism for, you know, when you order something on Amazon, there’s not even an option in there. Do you want to tip the driver? And it’s going to be before Amazon starts offering buy now, pay later. Do they already do that? I imagine they do. I mean, do they? Maybe they don’t. I don’t know.
[16:21] There are two other generic responses, complaints that don’t affect whether you should use it, but it’s good information before you consider…
[16:33] Using this or any other similar product, which is people complain. There’s a pattern of complaints with Klarna refunds for returned items. You know, so you buy something, you pay for it with Klarna and you return it. People have been extremely frustrated that Klarna won’t cancel the deal.
[16:56] So that’s interesting. They end up in a circle of generic responses, automated responses. and they get very, very frustrated. One person said they tried relentlessly to resolve their issue via chat and support agent and they were given the same response every time. You know, that’s modern day customer service. The other thing which I think is very interesting and it’s not unique to Klarna, but Klarna collects a surprising amount of data even for small transactions.
[17:32] Including personally identifiable information like email, phone number, address, geolocation. And they found that they use it. They don’t sell the customer data, but they widely share it with third parties for targeted advertising. Wait, what’s the difference between widely share and sell? Well, they have, you know, strategic partnerships. Like, I’m sure they’re going to share some of their data are we talking tomato tomato i mean we’re not gonna sell this to you but you’re gonna scratch my back over here while i open the book to this page point my finger and look away i mean yeah oh we don’t sell your data we just share it with other people share we share it for no compensation whatsoever yeah you know actually it’s a lot like how the credit reporting system works, Because companies that pull a lot of credit reports don’t have to pay for them because they provide data to the credit bureaus in exchange. Well, what’s the old adage? If you’re not paying for the product, you’re the product. Yeah, that’s true. Isn’t that the definition of Facebook? Yeah, it’s the definition of everything.
[18:50] The easiest way to get through life is just assume somebody’s trying to get one over on you for profit. That’s kind of how life works. But I want to go back to what you just said about, because that’s an interesting point about how Klarna actually works in that first complaint about how the refunds with Klarna work, because just much like a credit card, when you use a credit card, the credit card company is the one that pays the merchant. And now you have a contract with the credit card. You’re going to pay whatever you’re agreeing to pay.
[19:18] And so technically, yeah, you can go back to the merchant to get a refund and they will then reverse the charge back to your card and that system has been in place for a long time works pretty good most of the time in fact it works better than good because if the merchant tries to screw you one of the benefits of using a credit card is you can especially if you have like an american express or a a good credit card um they they’ll go to bat for you and just go ahead and hey no harm no foul we’ll you know we’ll credit your account and then then the merchant takes it on themselves or the credit card takes it on themselves to either go after the merchant or in many cases they just eat it because it’s not worth it but the pattern the pattern of complaints is that the refund process is really problematic because the payments continue while you wait for the merchant to resolve the thing on their end well that was my but so i say but clarna is not well established like a lot of these credit cards and through either uh you know maybe Maybe by design or just maybe they haven’t got there yet, there seems to be some issue with, okay, you make an agreement with Klarna, you’re going to pay Klarna, you know, four payments of 10 bucks or whatever it is. You return the item. You didn’t want it. You know, the Big Mac was cold by the time you got it. So you want a refund, whatever it is. Right, right.
[20:38] And now the merchant has to issue the refund to Klarna. I don’t know how that’s going to look.
[20:43] And now you’re relying on Klarna to stop charging the payments and or reverse the payments, right? Because with Klarna, it’s not like a credit card where you have an account.
[20:54] Each individual transaction is its own separate loan, every transaction, right? So then it can get kind of complicated. And then it’s really going to be up to Klarna to determine how smooth that process is. I don’t have any experience with that, but I could see how that could be a potential problem if Klarna is still drafting money out of your account and you’ve already returned the item. You’re not going to have that problem with the credit card, but you could have that issue with Klarna. So it’s a good point to bring up. Well, I don’t think that there’s any surprise that all of these services are just trying to encourage people. It’s like, you know, why they put the candy at the checkout, you know, at the grocery store. It’s all, it’s, it just increases impulse purchases.
[21:37] And, um, I, I really, I can’t get upset at Klarna or DoorDash and, you know, anybody that’s outraged about it. Good for them. But, hey, these companies are just offering a service and a product that people are using. The market’s what drives it. If everybody, you know, subscribed to the Dave Ramsey theory, which I think people would probably be better off financially if they subscribed to a lot of his stuff. Not all of it, but a lot of it. Just the basic tenets of financial responsibility.
[22:08] Klarna wouldn’t even exist because nobody would want to use it. But again, like with credit cards, you can strategically use Klarna in certain situations to say, hey, I can push off this purchase of this thing and I can get, you know, I think it’s usually like six weeks because they do four payments. But a lot of videos I saw, people were like, oh, you could put this purchase off for four months. And I’m like, you’ve never used Klarna because they say four payments to give people the impression that they get four months. Yeah. But the fine print is, well, first payment’s due today, next payment’s due in two weeks. So it’s every two weeks you’re making a payment typically on that. So it’s not four months. It’s six weeks. Well, I can see somebody checking out on DoorDash for that big grocery order or whatever. And there’s a little link there that says, you know, do you want to read the terms and conditions?
[22:58] Absolutely. I’m going to print it out and go over it tonight before bed. Yeah, I’ve spent half an hour putting all this crap in my cart. And now I’m going to click on this link, afraid that it’s all going to go away.
[23:12] You know, I’m, I’m, you know, not, not as old as you or as wise as you in 10 years, but I still can remember, um, you know, as, as, as, a lot of the, and it’s in across multiple industries. Do you remember as, you know, regulators came in and started, you know, cracking down on certain industries and you have to disclose this and you have to disclose this and just name the industry and everybody in the industry would freak out. Like we can’t, you know, tell people upfront this, you know, that if you take this pill, your stomach will explode. We can’t say any of that stuff. And then they found that the longer their terms and conditions were, and the more official and the more honest they were the more likely they were to make a sale and nobody was going to even read it anyway but it seemed more official yeah like the apple agreement where you just keep scrolling to accept it but my my favorite disclosure was uh it’s years ago now but there was a a new oil that came out making potato chips make them less fatty you know it was called olestra oh i remember that wasn’t it giving people the runs no the disclaimer on the commercials was warning may cause anal leakage that’s what the runs dude that what isn’t that the definition of the runs well it wasn’t necessarily ruddy just leaky you’re like give me some more of that.
[24:39] Yep what is that was that lady’s potato or is that pringle once you pop you can’t stop what’s the one that you could um what’d you have i can’t eat just one pringles but you can’t eat just one lays was but you can’t eat just one but they were also the ones that came out with the elestra yeah with the but you can’t eat just one with the side of anal leakage.
[25:02] Probably would have been more effective if the commercial had been dude it’s going to give you the runs yeah now i get the hershey squirts i do remember that but you know people will do crazy things to try to lose weight. I mean, it’s like, look what’s going on with the Zempick. How did we get this far from DoorDash and Klarna talking about anal leakage and chips? Well, I’ll tell you what, I wonder if it’s not going to be that far away that your prescriptions are going to be available via Klarna. Oh, well, yeah. I mean, you’re going to have, everything’s going to be available. I mean, it’s just the next thing. I still, if you go and you do a search for that, that, that video on Burger King, but it’s hilarious, dude. It’s like, it’s just from, you just realized that was only about 30 years ago.
[25:47] I remember when it came out and people were outraged. It’s like, and it’s like Burger King was like the trailblazer. Like, oh my gosh, the fast food restaurant is going to accept a credit card. That is just crazy. Yeah. You know, and now now if you go to a place and they’re like, oh, we don’t accept credit cards, you’re like, what the fuck? You’re like, I don’t think I can make a purchase in here. I know it’s funny because last weekend I was someplace I was like, what do you mean you don’t use tap to pay? Yeah, I got to put my hands in my pocket. Are you kidding me? My phone is right here.
[26:24] Well, we were at one of my son’s baseball games, high school baseball game. This is how full circle we’re starting to come. and normally you just do the go fan or whatever tap to pay you know because you got to pay to go watch your kid play right because you don’t pay enough as a parent but every time you go to a tournament or you got to pay to watch your kid play in the tournament that you already effing paid for yeah but hey okay you know maybe they’ll start accepting clarna at the damn travel ball games that’ll help first base would be one payment but we go into pay and this kid’s sitting there and cash only and i was like taken aback i was like wait what what do you mean cash only like that you know it’s burying the lead there like that’s that should be a sign in the parking lot at least like i walked all the way up here and apparently they’re they’re they’re starting to you know have issues so they used to all only be cash only because they they didn’t want to pay the fees right okay and now i got my my story mixed up but now they’re starting to go from i I meant to say card only because they used to only be cash, but now they’re card only because they’re having problems with the kids getting a five finger discount of the gate fees.
[27:38] Well, it’s funny you mentioned that because I don’t even, I have zero cash in my wallet. Well, I always at least try to carry a 20 and a couple of fives. I never, I don’t have any intention of using them, but I always carry them, uh, mainly because car washes. I have the unlimited car washes, but I always like to at least give the guy five bucks when I’m, you know, getting my car. Yeah. Um, so I have it for that. But, um, other than that, I don’t have a need. I never want to spend my five and get change. I hate change. Well, I was on a cruise last week, and as we were leaving, you know, generally you tip your room stewards. And so I look at my wallet. I’m like, oh, dude, I’m sorry. I don’t have a whole lot of cash. And I held my wallet open, and I said, but please take everything in it.
[28:31] Well, you know, I feel bad for, well, I don’t know if it’s starting to feel bad, especially if I’m out there doing a DoorDash or something like that. You know and they got some guy standing on the corner you know asking for money that looks pretty dang able-bodied and i see he’s got a phone there and stuff like that i’m like feeling like dude you could do some doordash yourself but i i do start thinking about because nobody carries cash anymore, that’s got to cut into the the person that’s you know panhandling for money yeah i wrote a post about uh the homeless people need to have qr codes on their signs well that’s what i was going to say I wonder how far away we are from the point where that becomes normal, where, you know, cause I have had a couple of times where I had no cash and I,
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[29:16] same thing, like at the car wash and I’m sorry, man, I don’t have any money today. And I go to the same car wash all the time. And I always feel, I feel bad if I don’t have a five or whatever, but I’m just waiting for the point where they whip out their phone. Hey, no problem. Here’s my cash app or whatever. And you got the tap to, you know, I’m, I don’t think we’re that far removed from where that is going to be normal. There’s going to be some kind of an app or something that makes that secure where you just tap somebody’s phone and there’s your tip or something. Yeah. Well, on the shuttle bus that goes from the distant long term parking to the airport, they now have a sign in the shuttle bus. It’s just a QR code says tip your driver. Yeah. And every time I’m in there like.
[29:56] Yeah. And I bet you I bet you the drivers make significantly more tips because of that. than if it was just, I hope the guy, because I’ve done that at the airport, I get in the shuttle bus or whatever, and I go, oh my gosh, I have no cash. And then I’m feeling bad. I’m like racing the guy to my bag when he stops, you know, because I don’t want him carrying my bag out because I’ll feel even worse if he carries my bag out of the thing and I have no money. But then I also feel kind of like a jerk too, because he’s like, oh, cheap ass grabbing your own bag. So you don’t have to tip me, huh? Well, I asked the driver, I said, you know, how many people do this? Well, the first thing I always tell him when i’m getting out is dude i got you in the app um but he goes you would be surprised you know the number of people that you actually do this you need to use a different phrase because to any any kind of gig worker got you in the app what’s that mean it’s kind of the same thing but replace the p’s with s’s basically it means you’re not getting a tip bro oh well i’m I don’t lie about that stuff. Hey, got you in the app. All right, sure. Thanks. Appreciate it. Which means I ain’t tipping you. Once I’m out of this car, I don’t feel bad at all anymore. I’ll never see you again. Gotcha in the app. All right. If I had a dollar for every gotcha in the app, I wouldn’t even have to do it anymore. I just tell everybody I retired a millionaire. Yeah.
[31:19] Well, it’ll be interesting to see. I don’t think there’s any way that you would know delivering something or driving someone if they paid by Klarna. But if someone mentions it, please bring it up on a future podcast. Well, it’s funny. I don’t think I would know either. But I rarely, the way it is now, like if you’re thinking about doing DoorDash or Instacart or whatever for a side hustle, check out our Penny Stupid podcast because we talk about it a lot. But if you don’t like interacting with people, it’s perfect for you because I never see anybody. Almost all of them, once in a while, it’ll say meet the customer and you knock on the door like a real person. Yeah. And you hand them the pizza or whatever, and you say hi, and that’s it. But all the transaction, everything’s done in the app. So there’s usually no cash tip or anything like that.
[32:06] But you very rarely ever see anybody. It’s just put at the door. I swear people hide, because I’ve been in my car for a second and checking, okay, where am I going next or whatever? And you’ll see people kind of like peek out the window, make sure I’m like gone. And then you’ll see them like open the door. And dude, I swear, sometimes you’ll just see a hand come out the crack, grab the bag, and And pull it back in. Like they’re so adverse to potential human interaction. And I’m just like, what the hell is going on with this world? So there will be zero opportunity, I can tell you right now,
[32:41] where somebody will see me and be like, oh, cool, thanks. I paid with Klarna. That was pretty cool. Yeah. I barely see anybody ever.
[32:51] All right, let’s wrap this up. Hey, if you’re listening, you’ve got any sort of debt concern, worried about money, stressed about debt, or hey, if you even want to talk to Damon about how do you start your own side hustle business, you can go to DamonDay, D-A-M-O-N-D-A-Y.com, and we will check in with you next time. Damon, see ya. And real quick, if you feel the need to DoorDash and put it on Klarna, consider flipping the script and driving for DoorDash part-time and getting your food paid for rather than putting it on layaway. Peace!
[33:27] Got a money question keeping you up at night? Well, don’t just Google it. Get real answers from real people who actually know what they’re talking about. Head to getoutofdebt.org slash podcast to ask your question. You might hear it on an upcoming episode. But hey, if you’d rather keep it private, Damon Day has your back. Visit d-a-m-o-n-d-a-y dot com because getting out of debt is easier with the right help. That’s getoutofdebt.org slash podcast, where smart money questions lead to smarter money moves.
