Owen Rascovitch

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2,532 appearances 9 recordings 1 series first heard Mar 2019 last heard Feb 2020

Owen Rascovitch’s voice in public audio — every appearance, attributed to the second.

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Australian Finance Podcast · Afterpay -- What's The Dealio With Buy Now, Pay Later Apps ? · 12 Aug 2019 podcast

True.

And you probably won't get any type of decent statistic on that.

No.

At least one that can't be politicised.

So, yeah, it's... OK, so I'll come up with some negatives.

I'm really good at negative stuff around here.

So first thing is it sucks to owe people money.

Even though you just owe the app, it's not a good – like you said, it's not a good habit.

The chains of habit are too light to be felt until they're too heavy to be broken.

And it's so true.

If you get yourself in a bad habit early on, like you said, gateway drug.

Okay, so the thing that also is important to note is that –

Even though it's not called credit, and we'll get to the regulation part in a minute, even though it's not called credit, it technically is.

When someone extends you money, that's credit.

yeah that's it and so that like to your point earlier on there's a domino effect so you start small and then you just get bigger and bigger and bigger and that is not where you want to be it's i've got some stuff here like that this is from a study that what we owe is a bigger predictor of hip happiness than what we make so what we earn in income so people think i want to make a

And it's actually less effective for your happiness to earn more than it is to just get rid of debt.

And people don't think about that, but people that have been through that and have got rid of it will know what I'm talking about and they can certainly appreciate that.

So the other thing is that the Afterpay platform in particular was in the news for things like this Mickey Mouse, kind of like a...

I know they dodged the system a bit.

They ordered some alcohol, underage, blah, blah, blah.

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