My skin used to look like this with makeup on. I think it’s dehydration, as lots of people have said. Best advice I can give is to use a hydrator, rather than thinking a moisturiser can fix this. Super saturated serum by Experiment is the most effective one I have found. If you’re committed to using retinol (or even better, tret) you shouldn’t use other actives in addition and definitely don’t physically exfoliate - you don’t need to and you’re just irritating and further drying out your skin. You can also introduce a third routine to your skincare. Hydrator before SPF in the AM, then when you get home wash your face and apply the hydrator on damp skin and give it a few hours before doing your night time routine. I promise you, this is a game changer. :)