Kumiko Love, known as The Budget Mom on social media, recently shared an Instagram reel titled “Propaganda I’m Not Falling For.” The short video, which played Elton John’s Rocket Man over a series of video clips, displayed beliefs that Love isn’t buying.

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While some are obvious, others will make you think if it’s worth revising your views on money, socioeconomics and success to improve your long-term finances.

Buy Now, Pay Later is a payment service through companies like Klarna and Affirm. These payments aren’t reported to the credit bureaus, but if you make a late payment you could be subject to late fees. Gen Z has been quick to adopted these services, with 59% of that demographic using BNPL, according to a recent study by PartnerCentric.

BNPL provides instant gratification for the things you want or, sometimes, things you need like groceries. But if you have too many BNPL loans going at once, you risk missing payments and facing hefty fees. Plus, if you don’t have the money now, will you have the money to make payments over the next several months without falling behind on other bills?

Think carefully before you borrow through one of these programs.

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The words might seem ironic coming from an Instagram influencer with a carefully edited video showcasing herself looking beautiful and put-together even while jogging, ziplining or tending her perfectly green raised garden beds. But it’s true: Social media is not reality.

And if you fall into the trap that everything you see on social is the truth, and not just carefully curated moments that should be taken as a “best-of” highlight reel rather than real life, it can lead to overspending.

One study by CreditKarma revealed that 48% of Gen Z and 40% of millennials said social media causes them to spend money they don’t have. If you find social media is affecting your wallet, consider spending less time online or, at least, disconnect your credit cards from social media and other online shopping platforms.

FOMO, or the “fear of missing out,” can also sabotage your financial goals. FOMO often goes hand-in-hand with social media spending, but not always.

A separate study from Credit Karma revealed that Gen Z and millennials tend to spend money when they’re out with friends because they don’t want to feel left out. Roughly one-third of both cohorts said they have a friend who drives them to overspend and that they want to keep up with their friend.