Be honest: If someone gives you a crisp envelope of cash for your birthday, are you strictly obligated to buy yourself a fun treat, or is it completely acceptable to immediately dump it into your Afterpay account to clear your debt? 😭💳

The Breakfast Club tackles the ultimate modern financial etiquette crisis today! The team uncovers a story where a birthday cash gift was instantly hijacked to pay off a lingering retail tab.

The studio completely fractures as Simon, Lana, Speedy, and Bondy go to war over the ethics of gifting. Is using birthday money for bills a brilliant, responsible life hack, or does it completely strip the magic out of a celebration? The phone lines instantly melt down as Kiwi listeners flood the show to share their unfiltered verdicts, their own secret buy-now-pay-later addictions, and the most uninspiring things they've ever spent birthday money on!

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