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For the first three months, life was cinematic. Every Saturday was a movie night. The crispness of the grass during football games made him feel like he was standing on the sidelines. The $100 auto-drafted from his account, a quiet ghost in his bank statement. Then the "Life" happened.

Arthur stared at the 75-inch Neo-QLED mounted on the showroom wall. It didn’t just show images; it felt like a portal. The price tag, however, was a firm $2,400—exactly $2,300 more than what stayed in his checking account after rent. buy now pay later televisions

In month four, Arthur’s muffler decided to detach itself on the highway. $450.In month five, his wisdom tooth throbbed with the vengeance of a thousand suns. $800. For the first three months, life was cinematic