Anna Helhoski

And with that said, until next time, turn to the nerds.

And I'm Anna Hilhoski.

And I'm Anna Hilhoski.

And I'm Anna Hilhoski.

We'll be diving into two ways that shoppers break up the costs of one big purchase into multiple smaller payments. The old school way is called layaway, and it's been around since the Great Depression.

We'll be diving into two ways that shoppers break up the costs of one big purchase into multiple smaller payments. The old school way is called layaway, and it's been around since the Great Depression.

We'll be diving into two ways that shoppers break up the costs of one big purchase into multiple smaller payments. The old school way is called layaway, and it's been around since the Great Depression.

The new school way is called buy now, pay later, or BNPL, and it's a rapidly rising online payment method that's gaining popularity among Gen Z. Adobe Analytics expects shoppers during this holiday season to spend roughly 11% more using BNPL than they did a year ago.

The new school way is called buy now, pay later, or BNPL, and it's a rapidly rising online payment method that's gaining popularity among Gen Z. Adobe Analytics expects shoppers during this holiday season to spend roughly 11% more using BNPL than they did a year ago.

The new school way is called buy now, pay later, or BNPL, and it's a rapidly rising online payment method that's gaining popularity among Gen Z. Adobe Analytics expects shoppers during this holiday season to spend roughly 11% more using BNPL than they did a year ago.

How long does it take to pay off a layaway purchase versus a buy-now-pay-later one? And when do you actually get the item that you're financing?

How long does it take to pay off a layaway purchase versus a buy-now-pay-later one? And when do you actually get the item that you're financing?

How long does it take to pay off a layaway purchase versus a buy-now-pay-later one? And when do you actually get the item that you're financing?

So now that I think about it, layaway isn't something I see offered very often. Now, I'm going to age myself, but when I was a kid, I remember holiday commercials from department stores that specifically advertised layaway as an option. In this day and age, how do you find layaway?

So now that I think about it, layaway isn't something I see offered very often. Now, I'm going to age myself, but when I was a kid, I remember holiday commercials from department stores that specifically advertised layaway as an option. In this day and age, how do you find layaway?

So now that I think about it, layaway isn't something I see offered very often. Now, I'm going to age myself, but when I was a kid, I remember holiday commercials from department stores that specifically advertised layaway as an option. In this day and age, how do you find layaway?

Lauren, let's talk about the potential drawbacks of layaway and BNPL because neither is risk-free. Can either one impact your credit?

Lauren, let's talk about the potential drawbacks of layaway and BNPL because neither is risk-free. Can either one impact your credit?

Lauren, let's talk about the potential drawbacks of layaway and BNPL because neither is risk-free. Can either one impact your credit?

So let's assume that all three options are available when you're trying to make a purchase. BNPL, credit card, and layaway. How can shoppers figure out the best option for them?