Priya Malani, the founder and CEO of Stash Wealth, says that she understands their appeal: “People are craving stability at a time when headlines read as anything but.”

Girl math revolves around justifying your spending habits in creative ways, like subscribing to the idea that if you buy clothes and later return them, you’re actually making money.

Nearly two-thirds of those ages 18 to 34 said they planned to cut back on retirement account contributions.