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Are You the Only One Who’s Broke? Or Is It ‘Money Dysmorphia’?

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Are You the Only One Who’s Broke? Or Is It ‘Money Dysmorphia’?

On Instagram feeds, martini glasses clink in what feels like a never-ending loop. Photo carousels from nights out show low-lit steakhouses, tartare and soufflés, Luxardo cherries. (What, in this economy, is screaming Luxardo cherries?) A roommate’s random co-worker is somehow lounging on yet another cabana in yet another tropical bathing suit. (Who owns that many bathing suits?) A co-worker’s random roommate is inexplicably trying out a new Bitcoin-powered bathhouse.

Just one click away is the news: flip-flopping on tariffs that could hit iPhones, T-shirts, backpacks and toothbrushes. There are wildly zigzagging red lines on market charts and somber television newscasters with panicked voices talking about retirement savings, which is angst-inducing even for people decades away from retirement.

“Phone-eats-first type of food, whatever viral sweater is going around on TikTok, the new work bag,” said Devin Walsh, 25, who lives in New York and works in marketing, listing the tempting purchases that flit across her Instagram, even, stubbornly, this past week. “Meanwhile, everyone is referencing the Great Depression.”

It’s a dizzying time to be a 20-something inundated by social media feeds flashing other people’s trips and restaurant reservations, which feel more over-the-top than ever, thanks to what trend forecasters call the “boom boom aesthetic.” It’s a recent embrace, by fashion labels, influencers and ordinary spenders, of lavish old-money consumption, like Gordon Gekko-inspired suits and endless (once verboten) furs.

Many young people are plagued by pangs of economic self-doubt, telling friends or therapists that they can’t keep up with the Joneses (and what the Joneses are posting on Instagram). Others are struggling to save, and then making impulse buys that leave them feeling anxious or guilty, that spending hangover from an “oh why not” pair of shoes.

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“You see a social media post and you’re like, ‘Maybe I’m doing something wrong,’” said Veronica Holloway, 27, a data analyst who lives in Chicago. “Like somehow I must be being irresponsible if I’m not able to spend like this.”

The resulting unease is leading to what financial planners call “money dysmorphia.” A sibling of the term “body dysmorphia,” meaning people who look in the mirror and do not see what’s really there, it refers to people who have a distorted view of their own financial well-being. It’s a mind-bending split-screen view of reality.

“You’re in a position where you don’t believe you have enough money, even though the numbers say you’re OK,” said Aja Evans, a financial therapist with some clients who struggle with dysmorphia. “It’s easy for people to create a narrative around what they’re seeing online — they’re like, ‘Oh my God, everyone is going away for spring break, I’m the only one who is staying home.’”

These perceptions, unhinged from reality, lead some to hold back on spending unnecessarily. It could lead others to overspend, sometimes enabled by “buy now, pay later” technologies; the average Gen Z consumer holds roughly $3,500 in credit card debt, according to data from Experian. A 2024 study conducted by Qualtrics found that nearly a third of all Americans reported feeling money dysmorphia, including 43 percent of Gen Z.

For Ms. Holloway, this disquieting uncertainty about spending started in childhood, after both her parents lost their jobs in the 2008 financial crisis. Her family lived below the poverty line, she said. Ms. Holloway thought twice about even necessary expenses. When she bought a pair of $130 sneakers for her high school cross country team, she spent a week feeling sick to her stomach.

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She has never been able to fully shake her worries, even now that she has a paycheck that more than covers her rent and meals. It does not help that her social media acts as a highlight reel of friends’ expenses, from flashy dinners to acrylic nails.

What’s known as the hemline theory says that when the economy becomes stronger, skirts lengths become shorter; boom times mean people want to party. A corollary that some economists and sociologists have found is that when the economy turns downward, tastes for little luxuries sometimes grow. During the 2008 financial crisis, some scholars reported seeing the “Lipstick Effect,” which was consumers spending more on small cosmetic items, perhaps as a way to feel slightly better about the state of the world, or at least about their faces. And in the early 1980s, when the economy cratered, fashion turned gaudy and over-the-top. One popular poster from the time shows a man in a tweed jacket and English riding pants leaning against a Rolls-Royce, cocktail glass in the air.

“That display of preppy-style wealth came during the worst economic recession since the 1930s,” said Douglas Rossinow, a historian and the author of “The Reagan Era.”

That tendency toward crisis-inflected lipstick spending has been layered on top of a financial reality that is already confusing for young people. For years, millennials were living with a warped sense of financial security because of venture capital money essentially subsidizing DoorDash deliveries and Uber rides. Social media invites people to post only their most hard-to-get dinner reservations and “White Lotus”-reminiscent beach travel. Now the economic picture is particularly uncertain, and the Instagram aesthetic is particularly luxurious.

“There was this more subdued, minimal norm-core look of the 2010s where people were trying to occlude their power or wealth — which came out of Silicon Valley and its casual approach to the workplace — that has fallen out of favor,” said the trend forecaster Sean Monahan.

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Mr. Monahan, who coined the term “boom boom aesthetic” in December, has tracked a recent surge in posts of flashy finery: caviar bumps, broad-shouldered suits, Chateau Marmont parties, 1980s-style decadence. “People feel like they’re participating in status games very explicitly,” he said. “The social hierarchy is in flux.”

Dessie DiMino, a tech worker, notices when friends post pictures from ski resorts and music festivals. She has had to ratchet up the voice in her head reminding herself to save as she follows headlines about economic uncertainty and the tariffs that seemed poised to hit her daily spending, including grocery items like coffee beans and chocolate.

“I don’t want to just stop doing everything, but I know there are days I should really bite the bullet and stay home,” said Ms. DiMino, 27.

To Ms. Walsh, the marketing employee from New York, the draw toward prudence feels especially tricky for her generation because of the shared sense that they’re living under a cloud of incessant crisis — Covid-19, climate change, political turbulence. Sometimes, she tells her mother, it’s hard to muster the discipline to save when she keeps hearing that the sky is falling.

“We’re more inclined to spend frivolously because of this looming main character energy of ‘The world is going to end anyway,’” Ms. Walsh said. “What are we saving for?”

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In February, she splurged on hosting a Valentine’s Day party in her Hell’s Kitchen apartment, spending hundreds of dollars on heart-shaped sunglasses that she mounted to the wall to feel like a Sunglass Hut, a sink filled with alcohol and a new $150 heart-printed dress. “Was it a rational use of funds?” she said. “Maybe not.”

Financial planners, especially those who work with young people, are trying to help clients who are feeling throttled by these economic shifts. Some of these clients are buying up new blazers and vacations as a balm for their broader sense of anxiety about where the economy is headed. Others are avoiding even reasonable purchases.

“I work with somebody who started cheaping out on groceries, even though her family’s financial future doesn’t hang on a trip to Whole Foods,” said Matt Lundquist, a therapist in Manhattan. “The inverse end of that is people being much more pleasure seeking — getting the Chanel bag, the ‘Oh forget it, I’ve been wanting these shoes.’”

Kara Pérez, who founded an organization that educates women on managing finances, has seen this uncertainty reshape her clients’ views on class. Some are overwhelmed by the affluence they see on social media, and it makes them lose sense of whether or not they are financially comfortable. Ms. Pérez said some clients whom she would describe as firmly middle class no longer saw themselves that way.

“A lot of people are like, ‘I’m not Kim Kardashian, I’m not Elon Musk, therefore I am broke,’” Ms. Pérez said.

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Ms. Pérez also sees this sentiment in comments that users leave on her social media page. On TikTok, where Ms. Pérez calls herself a personal finance expert, she’s forgiving of those who reply to her posts amid the chaos of the moment, effectively saying: “There’s no point in saving babe, we’re not going to retire. It’s OK to spend extravagantly now.”

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‘The Fall and Rise of Reggie Dinkins’ falls before it rises — but then it soars

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‘The Fall and Rise of Reggie Dinkins’ falls before it rises — but then it soars

Tracy Morgan, left, and Daniel Radcliffe star in The Fall and Rise of Reggie Dinkins.

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Tracy Morgan, as a presence, as a persona, bends the rules of comedy spacetime around him.

Consider: He’s constitutionally incapable of tossing off a joke or an aside, because he never simply delivers a line when he can declaim it instead. He can’t help but occupy the center of any given scene he’s in — his abiding, essential weirdness inevitably pulls focus. Perhaps most mystifying to comedy nerds is the way he can take a breath in the middle of a punchline and still, somehow, land it.

That? Should be impossible. Comedy depends on, is entirely a function of, timing; jokes are delicate constructs of rhythms that take time and practice to beat into shape for maximum efficiency. But never mind that. Give this guy a non-sequitur, the nonner the better, and he’ll shout that sucker at the top of his fool lungs, and absolutely kill, every time.

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Well. Not every time, and not everywhere. Because Tracy Morgan is a puzzle piece so oddly shaped he won’t fit into just any world. In fact, the only way he works is if you take the time and effort to assiduously build the entire puzzle around him.

Thankfully, the makers of his new series, The Fall and Rise of Reggie Dinkins, understand that very specific assignment. They’ve built the show around Morgan’s signature profile and paired him with an hugely unlikely comedy partner (Daniel Radcliffe).

The co-creators/co-showrunners are Robert Carlock, who was one of the showrunners on 30 Rock and co-created The Unbreakable Kimmy Schmidt, and Sam Means, who also worked on Girls5eva with Carlock and has written for 30 Rock and Kimmy Schmidt.

These guys know exactly what Morgan can do, even if 30 Rock relegated him to function as a kind of comedy bomb-thrower. He’d enter a scene, lob a few loud, puzzling, hilarious references that would blow up the situation onscreen, and promptly peace out through the smoke and ash left in his wake.

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That can’t happen on Reggie Dinkins, as Tracy is the center of both the show, and the show-within-the-show. He plays a former NFL star disgraced by a gambling scandal who’s determined to redeem himself in the public eye. He brings in an Oscar-winning documentarian Arthur Tobin (Radcliffe) to make a movie about him and his current life.

Tobin, however, is determined to create an authentic portrait of a fallen hero, and keeps goading Dinkins to express remorse — or anything at all besides canned, feel-good platitudes. He embeds himself in Dinkins’ palatial New Jersey mansion, alongside Dinkins’ fiancée Brina (Precious Way), teenage son Carmelo (Jalyn Hall) and his former teammate Rusty (Bobby Moynihan), who lives in the basement.

If you’re thinking this means Reggie Dinkins is a show satirizing the recent rise of toothless, self-flattering documentaries about athletes and performers produced in collaboration with their subjects, you’re half-right. The show feints at that tension with some clever bits over the course of the season, but it’s never allowed to develop into a central, overarching conflict, because the show’s more interested in the affinity between Dinkins and Tobin.

Tobin, it turns out, is dealing with his own public disgrace — his emotional breakdown on the set of a blockbuster movie he was directing has gone viral — and the show becomes about exploring what these two damaged men can learn from each other.

On paper, sure: It’s an oil-and-water mixture: Dinkins (loud, rich, American, Black) and Tobin (uptight, pretentious, British, practically translucent). Morgan’s in his element, and if you’re not already aware of what a funny performer Radcliffe can be, check him out on the late lamented Miracle Workers.

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Whenever these two characters are firing fusillades of jokes at each other, the series sings. But, especially in the early going, the showrunners seem determined to put Morgan and Radcliffe together in quieter, more heartfelt scenes that don’t quite work. It’s too reductive to presume this is because Morgan is a comedian and Radcliffe is an actor, but it’s hard to deny that they’re coming at those moments from radically different places, and seem to be directing their energies past each other in ways that never quite manage to connect.

Precious Way as Brina

Precious Way as Brina.

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It’s one reason the show flounders out of the gate, as typical pilot problems pile up — every secondary character gets introduced in a hurry and assigned a defining characteristic: Brina (the influencer), Rusty (the loser), Carmelo (the TV teen). It takes a bit too long for even the great Erika Alexander, who plays Dinkins’ ex-wife and current manager Monica, to get something to play besides the uber-competent, work-addicted businesswoman.

But then, there are the jokes. My god, these jokes.

Reggie Dinkins, like 30 Rock and Kimmy Schmidt before it, is a joke machine, firing off bit after bit after bit. But where those shows were only too happy to exist as high-key joke-engines first, and character comedies second, Dinkins is operating in a slightly lower register. It’s deliberately pitched to feel a bit more grounded, a bit less frenetic. (To be fair: Every show in the history of the medium can be categorized as more grounded and less frenetic than 30 Rock and Kimmy Schmidt — but Reggie Dinkins expressly shares those series’ comedic approach, if not their specific joke density.)

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While the hit rate of Reggie Dinkins‘ jokes never achieves 30 Rock status, rest assured that in episodes coming later in the season it comfortably hovers at Kimmy Schmidt level. Which is to say: Two or three times an episode, you will encounter a joke that is so perfect, so pure, so diamond-hard that you will wonder how it has taken human civilization until 2026 Common Era to discover it.

And that’s the key — they feel discovered. The jokes I’m talking about don’t seem painstakingly wrought, though of course they were. No, they feel like they have always been there, beneath the earth, biding their time, just waiting to be found. (Here, you no doubt will be expecting me to provide some examples. Well, I’m not gonna. It’s not a critic’s job to spoil jokes this good by busting them out in some lousy review. Just watch the damn show to experience them as you’re meant to; you’ll know which ones I’m talking about.)

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Now, let’s you and I talk about Bobby Moynihan.

As Rusty, Dinkins’ devoted ex-teammate who lives in the basement, Moynihan could have easily contented himself to play Pathetic Guy™ and leave it at that. Instead, he invests Rusty with such depths of earnest, deeply felt, improbably sunny emotions that he solidifies his position as show MVP with every word, every gesture, every expression. The guy can shuffle into the far background of a shot eating cereal and get a laugh, which is to say: He can be literally out-of-focus and still steal focus.

Which is why it doesn’t matter, in the end, that the locus of Reggie Dinkins‘ comedic energy isn’t found precisely where the show’s premise (Tracy Morgan! Daniel Radcliffe! Imagine the chemistry!) would have you believe it to be. This is a very, very funny — frequently hilarious — series that prizes well-written, well-timed, well-delivered jokes, and that knows how to use its actors to serve them up in the best way possible. And once it shakes off a few early stumbles and gets out of its own way, it does that better than any show on television.

This piece also appeared in NPR’s Pop Culture Happy Hour newsletter. Sign up for the newsletter so you don’t miss the next one, plus get weekly recommendations about what’s making us happy.

Listen to Pop Culture Happy Hour on Apple Podcasts and Spotify.

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How to have the best Sunday in L.A., according to Andy Richter

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How to have the best Sunday in L.A., according to Andy Richter

Andy Richter has found his place.

The Chicago area native previously lived in New York — where he first found fame as Conan O’Brien’s sidekick on “Late Night” — before moving to Los Angeles in 2001. Three years ago, he moved to Pasadena. “Now that I live here, I would not live anywhere else,” he says.

There are some practical benefits to the city. “I am such a crabby old man now, but it’s like, there’s parking, you can park when we have to go out,” Richter says. “The notion of going to dinner in Santa Monica just feels like having nails shoved into my feet.”

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In Sunday Funday, L.A. people give us a play-by-play of their ideal Sunday around town. Find ideas and inspiration on where to go, what to eat and how to enjoy life on the weekends.

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But he mostly appreciates that Pasadena is “a very diverse town and just a beautiful town,” he says.

For Richter, most Sundays revolve around his family. In 2023, the comedian and actor married creative executive Jennifer Herrera and adopted her young daughter, Cornelia. (He also has two children in their 20s, William and Mercy, from his previous marriage.)

Additionally, he’s been giving his body time to recover. Richter spent last fall training and competing on the 34th season of “Dancing With the Stars.” And though he had no prior dancing experience, he won over the show’s fan base with his kindness and dedication, making it to the competition’s ninth week.

He hosts the weekly show “The Three Questions” on O’Brien’s Team Coco podcast network and still appears in films and TV shows. “I’m just taking meetings and auditioning like every other late 50s white comedy guy in L.A., sitting around waiting for the phone to ring.”

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This interview has been lightly edited and condensed for length and clarity.

7:30 a.m.: Early rising

It’s hard for me at this advanced age to sleep much past 7:30. I have a 5 1/2-year-old, and hopefully she’ll sleep in a little bit longer so my wife and I can talk and snuggle and look at our phones at opposite ends of the bed, like everybody.

Then the dogs need to be walked. I have two dogs: a 120-pound Great Pyrenees-Border Collie-German Shepherd mix, and then at the other end of the spectrum, a seven-pound poodle mix. We were a blended dog family. When my wife and I met, I had the big dog and she had a little dog. Her first dog actually has passed, but we like that dynamic. You get kind of the best of both worlds.

8 a.m.: Breakfast at a classic diner

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Then it would probably be breakfast at Shakers, which is in South Pasadena. It’s one of our favorite places. We’re kind of regulars there, and my daughter loves it. It’s easy with a 5-year-old, you’ve got to do what they want. They’re terrorists that way, especially when it comes to cuisine.

I’ve lived in Pasadena for about three years now, but I have been going to Shakers for a long time because I have a database of all the best diners in the Los Angeles metropolitan area committed to memory. There’s just something about the continuity of them that makes me feel like the world isn’t on fire. And because of L.A.’s moderate climate, the ones here stay the way they are; whereas if you get 18 feet of winter snow, you tend to wear down the diner floor, seats, everything.

So there’s a lot of really great old places that stay the same. And then there are tragic losses. There’s been some noise that Shakers is going to turn into some kind of condo development. I think that people would probably riot. They would be elderly people rioting, but they would still riot.

11 a.m.: Sandy paws

My in-laws live down in Long Beach, so after breakfast we might take the dogs down to Long Beach. There’s this dog beach there, Rosie’s Beach. I have never seen a fight there between dogs. They’re all just so happy to be out and off-leash, with an ocean and sand right there. You get a contact high from the canine joy.

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1 p.m.: Lunch in Belmont Shore

That would take us to lunchtime and we’ll go somewhere down there. There’s this place, L’Antica Pizzeria Da Michele, in Belmont Shore. It’s fantastic for some pizza with grandma and grandpa. It’s originally from Naples. There’s also one in Hollywood where Cafe Des Artistes used to be on that weird little side street.

4 p.m.: Sunset at the gardens

We’d take grandma and grandpa home, drop the dogs off. We’d go to the Huntington and stay a couple of hours until sunset. The Japanese garden is pretty mind-blowing. You feel like you’re on the set of “Shogun.”

The main thing that I love about it is the changing of ecospheres as you walk through it. Living in the area, I drive by it a thousand times and then I remember, “Oh yeah, there’s a rainforest in here. There’s thick stands of bamboo forest that look like Vietnam.” It’s beautiful. With all three of my kids, I have spent a lot of time there.

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6:30 p.m.: Mall of America

After sundown, we will go to what seems to be the only thriving mall in America — [the Shops at] Santa Anita. We are suckers for Din Tai Fung. My 24-year-old son, who’s kind of a food snob, is like, “There’s a hundred places that are better and cheaper within five minutes of there in the San Gabriel Valley.” And we’re like, “Yeah, but this is at the mall.” It’s really easy. Also, my wife is a vegetarian, and a lot of the more authentic places, there’s pork in the air. It’s really hard to find vegetarian stuff.

We have a whole system with Din Tai Fung now, which is logging in on the wait list while we’re still on the highway, or ordering takeout. There’s plenty of places in the mall with tables, you can just sit down and have your own little feast there.

There’s also a Dave & Buster’s. If you want sensory overload, you can go in there and get a big, big booze drink while you’re playing Skee-Ball with your kid.

9 p.m.: Head to bed ASAP

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I am very lucky in that I’m a very good sleeper and the few times in my life when I do experience insomnia, it’s infuriating to me because I am spoiled, basically. When you’ve got a 5 1/2-year-old, there’s no real wind down. It’s just negotiations to get her into bed and to sleep as quickly as possible, so we can all pass out.

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Video: Prada Peels Back the Layers at Milan Fashion Week

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Video: Prada Peels Back the Layers at Milan Fashion Week

new video loaded: Prada Peels Back the Layers at Milan Fashion Week

At Milan Fashion Week, Prada showcased a collection built on layering. For the models, it was like shedding a skin each of the four times they strutted down the runway, revealing a new look with each cycle.

By Chevaz Clarke and Daniel Fetherston

February 27, 2026

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