DoorDash has officially joined forces with Klarna to offer a new payment method that screams ‘I’m broke but still want fries!’ Yes, you read that right! Starting soon, you’ll be able to munch on your favorite takeout while spreading out the cost like it’s your monthly streaming subscription. The service, called Buy Now, Pay Later (BNPL), allows users to pay for their greasy indulgences in four easy installments, just in time for your rent payment cycle.

This delightful collaboration is a game-changer for cash-strapped millennials and Gen Zers who are looking to enjoy the culinary highs of life without the upfront hit to your dwindling bank account. Because who wouldn’t want to turn a $12 burrito into a commitment spread over a month? It’s not just about fast food. Klarna has been popular in online shopping for larger purchases, showing that consumers need tools to navigate the financial mess we call life, and they need it now.

But wait, there’s more! BNPL services are rocketing in popularity, especially among younger folks in a credit-fueled economy where traditional payment methods just don’t cut it anymore. A report revealed that in the last holiday season alone, BNPL usage hit an eye-watering $18 billion, up nearly 10% from the previous year. Wallets are hurting, yet the allure of instant gratification persists. Why pay all at once when you can slip deeper into debt over some avocado toast?

However, not all that glitters is gold. The rapid increase in BNPL usage brings concerns from economists and consumer advocates. They warn that many young consumers may not realize how quickly their waiving-of-the-fees can lead to serious debt. In fact, the Federal Reserve recently indicated that household debt levels are terrifyingly high, reaching $18.04 trillion as of last year’s end.

So, is this partnership between DoorDash and Klarna a boon for the butterscotch-sauce-dripping lives of millennials, or is it just another layer of shiny debt piling atop the mountain of obligations we already have? Only time will tell, but it’s clear that if you can swipe a card at the moment, you probably will.

So when you’re chowing down on that ramen delivery or two-topping pizza, just remember, you might be living your best life now, but it might come back to haunt your future bank statements. Stay woke, foodies!