‘Things feel a lot tighter now’: Young Americans are turning to ChatGPT for therapy and skipping ‘sober Ubers’ to save money — why cutting costs has become an urgent matter for Gen Z

For Aeryn Briscoe, a 25-year-old digital marketing specialist in Chicago, that meant cutting Amazon Prime, canceling Netflix and swapping bi-weekly salon manicures for DIY polish. “Things feel a lot tighter now,” Briscoe told the Wall Street Journal.

Briscoe lives independently and manages her finances without help from her parents — a reality that makes non-essential spending feel like a luxury. But for her and many others, self-care is evolving. It’s no longer about splurging, it’s about making thoughtful, strategic choices with their money.

What the shift in spending habits means

Before President Trump’s tariff announcement stirred fresh financial anxiety, consumer confidence was already slipping. In March, the University of Michigan’s monthly survey showed sentiment had dropped to 57.9 — a notable decline, also reported by The Wall Street Journal.

Fidelity’s 2025 Financial Resolutions Study found that 57% of women are prioritizing short-term savings, outpacing men slightly at 53%. And that shift is showing up in closets and vanities alike.

“Women are the lion’s share of the apparel business,” Marshal Cohen, Circana’s chief retail-industry adviser said. “So when he sees women driving a downturn in apparel, he says, “that signals to me that there is a pullback in discretionary spending.”

That doesn’t mean style is being sacrificed — it’s simply being reimagined. Miranda McClellan, for instance, told the Wall Street Journal she’s turning to DIY solutions to stretch her budget. Rather than spending on a new pair of Nike sweatpants, she revived her faded ones at home using black fabric dye. The upgrade was cost-effective, sustainable and still on-trend.

The new playbook

When you're facing down a budget crunch, even the most routine expenses can suddenly feel negotiable or downright unnecessary.

For Briscoe, therapy sessions were one of those costs. At $200 a session, weekly appointments quickly became unsustainable. So, she got creative and a little techy, turning to ChatGPT for mental health support. While it's no substitute for professional therapy, the chatbot's free daily message limit offers her a space to reflect and decompress without the financial strain.

Others are finding their own hacks. Stephanie Umeh realized her rideshare habit was draining her wallet. That’s when she introduced her own rule: “No more sober Ubers.” Unless safety or a time crunch demands otherwise, the subway’s her go-to. She’s also ditched pricey meal delivery apps.

According to a recent survey from Circuit, Americans spend an average of $37.28 a week on food delivery — which clocks in at over $1,840 a year. That’s not just a few lattes — that’s a vacation, a student loan payment or even a decent emergency fund.

If you're looking to cut back, try setting your own cost rule. Choose a category — like takeout, beauty or ride shares — and ask: Is this essential, or can I replace it with something cheaper or less frequent? You don’t need to change your whole lifestyle, just find one habit to tweak and continue the momentum from there.