Financial guru Dave Ramsey is not one to mince words when it comes to debt—and the latest DoorDash DASH news had him literally burying his head in his hands.

DoorDash and Klarna’s new Payment Plan Isn’t Sitting Well With the Debt-Free Crowd

DoorDash recently announced a partnership with Klarna that will allow customers to split food delivery payments into four interest-free installments or defer payments entirely to align with their payday. The payment plan is set to roll out in the coming months.

Don't Miss:

• ‘Scrolling To UBI' — Deloitte's #1 fastest-growing software company allows users to earn money on their phones. You can invest today for just $0.26/share with a $1000 minimum.
• Many are using retirement income calculators to check if they’re on pace — here’s a breakdown on what’s behind this formula.

“This partnership empowers customers with maximum choice and control over how they pay,” DoorDash said in a statement. Klarna called it a “milestone” in its expansion into everyday spending, aiming to make convenience more accessible.

But Ramsey's reaction? A GIF of himself, looking exhausted, posted on X with no caption. That's all it took. The image, pulled from a past episode of his radio show, shows him shaking his head before dropping it into his hands in frustration.

Trending: If there was a new fund backed by Jeff Bezos offering a 7-9% target yield with monthly dividends would you invest in it?

He didn't need to add a word. Ramsey has made his stance on consumer debt clear for years. In 2018, he wrote on Facebook: "Stop trying to keep up with the Joneses. They're BROKE." In 2020, he doubled down: "Don't buy things you don't need with money you don't have to impress people you don't like."

And the numbers back him up. A recent NerdWallet report shows the average U.S. household now holds $175,075 in debt. That includes mortgages averaging $230,918, auto loans at $37,274, credit card debt at $10,563 and student loans totaling $55,777. Altogether, Americans are sitting on nearly $18 trillion in household debt as of late 2024.

See Also: It’s no wonder Jeff Bezos holds over $250 million in art — this alternative asset has outpaced the S&P 500 since 1995, delivering an average annual return of 11.4%. Here’s how everyday investors are getting started.

Even Gen Z, many of whom are just starting their careers, already carry nearly $30,000 in debt. Gen X leads the way with over $157,000, while Baby Boomers—who should be enjoying retirement—still owe nearly $95,000 on average.

"Big hat, no cattle," Ramsey has said, using a Texas phrase to describe people living beyond their means. And paying off a sandwich in four easy payments fits squarely into that category.

While DoorDash and Klarna tout flexibility and access, critics like Ramsey see a growing culture of short-term convenience at long-term cost. The idea of financing dinner is a red flag for someone whose entire platform is built on avoiding debt at all costs.

The Joneses aren't doing as well as they look—and financing fast food won't fix that.

Read Next:

• ‘Which Bucket Do I Draw From First?’ Suze Orman Explains To 67-Year-Old The Best Order For Tapping Into Her Retirement Accounts
• Deloitte's fastest-growing software company partners with Amazon, Walmart & Target – Many are rushing to grab 4,000 of its pre-IPO shares for just $0.26/share!