Saturday, March 22, 2025

Unhappy Meals

Don't pay them on Tuesday:
Do not listen to the siren song of "pay the full amount in 7 days and it's interest-free." Do not fall for the APR starts at 0% line. Why? Because if you're occupying the station in life where you have to engage in the equivalent of a payroll advance loan for your chicken nugget meal, you're not qualifying for 0% APR. You're going to be at the other end of the spectrum, which is around 33%. And that's already on top of Klarna tacking on another 10% service charge on top of Door Dash's 10-15% delivery charge, which is on top of your fast food check, which is elevated to an absurd amount after paying entry-level employees $20 dollars an hour. Right here is where I draw the line. My goal is not normalizing snobbery. But the cold, hard reality is if you're feeling the need to finance your Happy Meal, literally adapting 100-year-old Wimpy economics meant to be a joke well into the 21st Century with all of its high-tech conveniences, it's time to think about stuff you can make at home. It's a hell of a lot cheaper, and it's an awful lot better for you, in most cases.
More beef for less grief...

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