[notpushkin]

If you do have money, it also means that you get item now and keep your money invested. If it’s the sort of BNPL that has no fees as long as you pay on time (not sure if Klarna does that, but I’ve seen a lot of those), technically it’s better to always use that.

[Marsymars]

Technically, yeah, but the overall benefit is pretty small. If you average $x/BNPL period, you're dealing with the cognitive/time overhead of buying everything with BNPL for the reward of whatever investment return you can get on $x. For an average household, that might be like a hundred bucks per year on average?