Whether you spent your summer splurging or saving, post-summer money clarity can feel overwhelming.

Maybe you’re staring at a bulky credit card bill detailing a week of pricey poolside drinks and duty-free indulgences that you can’t necessarily afford.

Or maybe you’re starting to feel a little regret about holding back this summer — even if your finances would have allowed it.

It’s pretty common to feel divorced from the reality of your finances. (It’s even more common in the summer, when you just want to chill out and forget about what your bank account looks like.) According to Credit Karma, 43% of Gen Z and 41% of millennials reported experiencing some form of “money dysmorphia.”

That’s the internet’s non-clinical diagnosis for a condition that can plague people of all financial states. It’s when you have a warped sense or understanding of your own finances — which then, in turn, leads to irrational, vibes-based decision-making.

Like overspending on TikTok Shop when you should really be putting money toward your student loans. Or, on the other hand, denying yourself simple indulgences even though you can afford them because you can’t shake your money anxiety.

There’s no better time than fall to get face-to-face with your finances and start taking control of your money. We put together a little guide to money dysmorphia — with tips on how to fend it off.