#220. Dad, what is “buy now and pay later” culture? Wisdom 0 Local Input~ VANCOUVER, BC - JUNE 15: Riot police walk in the street as a couple kiss on June 15, 2011 in Vancouver, Canada. Vancouver broke out in riots after their hockey team the Vancouver Canucks lost in Game Seven of the Stanley Cup Finals. (Photo by Rich Lam/Getty Images) DAD: Carrying too much debt causes more than budgeting problems; it can cause stress and personal problems, too.