Adobe Analytics has reported that "Buy Now, Pay Later" (BNPL) usage hit an all-time high of $10.1 billion in November 2025, and this "phantom debt" doesn't always show up on credit reports immediately. Today's Stocks & Topics: PepsiCo, Inc. (PEP), Market Wrap, “The Holiday Debt Trap: BNPL "Phantom Debt"”, Primoris Services Corporation (PRIM), Firefly Aerospace Inc. (FLY), Commodities, Netflix, Inc. (NFLX), Entergy Corporation (ETR). Our Sponsors: * Check out Incogni: https://incogni.com/investtalk * Check out Invest529: https://www.invest529.com * Check out NordProtect: https://nordprotect.com/investalk * Check out Progressive: https://www.progressive.com * Check out Quince: https://quince.com/INVEST * Check out TruDiagnostic and use my code INVEST for a great deal: https://www.trudiagnostic.com Advertising Inquiries: https://redcircle.com/brands