I'm with you Erin - the younger generation is coming up with catchy new names for age old old ideas. They had quiet quitting and now loud budgeting. Funny. Glad you had your baby on the video recently. He's a cutie! Thanks for another great video!
What’s hilarious is when I (and friends ,wife,family,etc) that are the same age or close to the people coming up with a lot of those “catchy names” and we’ve never heard of most of them 😂😂😂. It’s like a strange very very few naming basic things 😂😂😂
"Nothing makes me happier to find out that budgeting is now cool, and saving money is now chic, because that means I'm one step closer to being cool." - Erin I feel you... 😅
Erin. I'm totally a nerd with this. I've got my 0 based budget spreadsheet built and it goes by paycheck through the year 2041. This all started 18 years ago when my bank card was declined for a $2.99 movie rental at Movie Gallery. Got a Dave Ramsey book and never looked back.
Never heard of it before, but being frugal-ish is something we have practiced our entire lives, and we are retirement age! We get a big kick out of seeing our bank account and stock portfolios grow.
Great video! ❤ When I read the title, I immediately thought of a situation I had during lunch at work this week. I had made stuffed peppers to take for lunch. I put it in a country crock butter bowl lol. My coworker loudly made a big deal about it from across the room. I'm very proud of my budgeting. Sure I could get a lunch bowl for $1.25 at dollar tree but why? I also used coupons and online deals. I shop at Goodwill, thrift stores, Aldi, and WalMart. I buy meat when its on sale at Ingles. I also buy Manager discount. I got a beautiful head of cauliflower for $1.49. It's over $3 at Walmart. Budgeting used to be seeing as a shameful thing but it has allowed me to buy rental real estate that has made me a millionaire. My coworker surprised me this week. It's been a long time since the mean girl has tried to embarrass me at lunch lol .
Well, stuffed peppers are delicious, so keep doing those prepped meals! And I think you should be proud of budgeting. Congrats on your millionaire status, that’s quite an achievement!! 💙
Huge congratulations! Long years of discipline pay off. I love the “mean girl” comment - where _did_ they all go, anyway?? Not in my social circle anymore.
I like the concept of loud budgeting. I had to look it up on the internet and the Forbes definition is excellent. I think it's a very good thing that people are starting to talk openly about money and its uses.
You are really the only TH-cam account on personal finance I follow and watch all videos. I have followed you for about two years I think since you had less then 1000 subs. Best and most relatable content on TH-cam I have found thank you Erin.
Agree Erin, the young generationg seems to always be coming up with new terms for everything. In this context though I feel it's avery good thing. Whatever it takes for them to truly understand, learn and embrace the concepts on what they need to do. I am normally very critical of social media and it's negative impact on society, but this is indeed a bright spot that I had not been aware of and thank you for sharing it. Your style and approach make you very relatable and easy to understand IMO. I feel this would open you up to a wider range of viewers and increase the likelihood your message will land on fertile soil. Thanks for putting out good content Erin. I do feel you are making a difference. Have a great week Erin. Larry, Central Valley, Ca.
Great video, as always. I like the point about talking in % rather than actual dollar figures. That's great advice. That's an easier conversation and everybody can talk pretty openly about that without revealing private information.
It goes back up again when they hit their early 20s. My "kids" now have bills, jobs, rent, etc. They now "get it." There's an old quote attributed to Mark Twain, but not likely he said it. "When I was a boy of fourteen, my father was so ignorant I could hardly stand to have the old man around. But when I got to be twenty-one, I was astonished at how much he had learned in seven years."
I talk about finances, budgeting, investing, etc with coworkers and family. The younger people are willing to listen. The older ones will not and remind me that I am not a licensed financial advisor. At the end of the day I am just trying to help people by teaching them what I learned along the way.
Very good video. I have been doing this the last couple years, since retiring, and it is working for me. It is easier to have money on hand, control what I am spending money on and making sure I purchase healthy foods first. I let my family know how my budget is working, so maybe they can adopt some of it to their budgets. Note: I didn't know it is called loud budgeting. Thanks.
I agree with you that lifestyle creep isn't entirely a bad thing. I am the same age as you and I also don't want to live like I did at 22 or 23. I don't want to rent a room in a house and drive a beat up car anymore! I want a little more luxury.
Wow Erin you really went all out on this one. Usually it's a ride the fence and sayings like "personal finance is personal". But you definitely attacked that gender gap and attacked budgeting and saving. You also didn't power point me to death with numbers. You are kinda fierce with this one. And those dudes were gate keeping before. With women they understand what's it's like to be held back. So they have the best advice to handle obstacles. Where as the males from the videos I've seen try to say they were struggling and they got a ton of support and encouragement to save and invest. We as a group have to learn together. But it's okay to point out the differences in how hard it is for different groups to succeed and what they can do to over come their own set of circumstances.
I've been doing low spend months January and I'm continuing in February. I haven't completely eliminated a line item but I use to spend $400-$500 a month on myself, including subscriptions, eating out, etc etc. I've got my fun money spending to less than $200 a month now.
I was about to "pile on" about how this was just the same old "living below your means", but TALKING about it is an interesting twist. While not new, it's been a while since people really dug in to bragging about spending less.
I have never formally budgeted, always paid myself first & never carried debt except a mortgage, which is now paid off. It’s hard for me to imagine trying to track every dollar super carefully. Instead with any check I get (I am self-employed), after setting aside some for taxes, I put 25% of the remainder in each of four categories (savings, investing, bills and fun). I make do with whatever is in each pile. And I allow myself to blow my fun money however I choose with zero guilt.
Looks sensible to me. Ensures you are paying bills, saving for your future, but still allows for flexibility and fun. What's life without fun, today AND tomorrow?
Yes, the budgeting part is old as dirt. It's the loud part that is new and very much needed. I think people in the financial content space forget how dead silent the rest of the world is on money. Of course the information is available, but a lot of times it's a you don't know what you don't know situation that means people don't seek it out. It would be cool if we could make high savings more of a flex than conspicuous consumption.
Tbh I'm just happy good personal finance is trending at all 😊 Maybe these companies will finally realize that there _is_ a limit to what people will pay for something. They put ads on _paid_ Amazon Prime if you can believe that 😔
I’m not smart enough to say how, but I think there is a lot to gain for the middle and lower classes if more information about our finances is out in the open
The information is already out there. Has been for a long time. Free to access for anybody with an internet connection or library card. People need to stop blaming society because the horse doesn't want to drink.
@@danh2716 When your life is a scramble of multiple lie-paying jobs and dealing with the kids and a crappy landlord, you don’t have the luxury of saying “hey, I think I’ll go to the library and try to learn about personal finances today.” I do taxes for low-income filers through the IRS VITA program. It’s amazing how many “financial mistakes” are made by the working poor. But perhaps more amazing how some of them are making it work on such low incomes.
Great point that we as a society teach women how to cut costs and we teach men how to increase income. Vestiges of 1950s-era gender roles. I’ve tried to teach my son and daughter the same financial values and skills, but I’m sure some “tradition” has crept in.
Running the numbers is the key to realizing that small changes matter. Cutting out daily lattes, eating out, or worse food delivery is a great way to save. Not getting a daily latte is 365 X 5 = $1825 a year back in your pocket. And if you get a $3 pastry with that latte the total is 365 X 8 = $2920 annually. That is a nice amount to pay yourself. But, what is a financial freedom number? I guess I have some research to do.
I enjoy using my budget constraints as an excuse not to do things I don't feel like doing. "Sorry ya'll, I can't make it this time, my money's kinda tight this month." Meanwhile, I'm booking a Bahamas cruise and just bought 3 high-end watches 😂
I'm not sure those male and female financial discussions happen in a vacuum. The individuals influence the paths those discussion take. Social media hasn't changed much. Its just more clearly displayed the distinction.
A 10% raise would be amazing. I get 3%/yr and I just put it in investments. I'm comfortable with my lifestyle too but have to " upgrade" it with my raises.
Hmmm, I thought loud budgeting would be something more like: "Look everyone! I'm better than you because I don't need to go to Starbucks everyday and waste my money! I save it and I'm only buying things that I need rather than buying things just because everyone else buys it! Anyone who doesn't also do this... just gives me the 'ICK'"!
I like the idea of living below your means, but I don’t like discussing money. Not sure if it’s my upbringing by well off gen x parents and silent generation grandparents, but I have always been told not to reveal my income or net worth.
You don't have to talk income in order to talk money. When a group is going out for dinner just explain you can't right because of your financial goals for the future. If they don't understand, that's their problem!
@@marram2852 Exactly, it’s been more of an idea of not appearing well off, which my family is. Money, Faith, Politics are things I have learned to avoid discussing in almost all cases.
Where are you eating where 2 burgers are over $40? Wow. I still know places where I can get a pizza puff, chili cheese hot dog, chili cheese fries and a drink for $15. Of course I am also that guy that has a subscription for Alaska King Crab legs. Its a give and take. My next hobby I was thinking of doing was extreme couponing.. well, maybe semi-extreme. 😇
Wife's a no nonsense type, but is entirely open to everyone living their lives their own way. Soft saving, loud budgeting, extreme saving for early FI, you do you, as long as you don't hurt anyone else, it's your life to do what you want with. BUT if you screw yourself, she doesn't want to hear you whine, zero empathy from her...lol. Loud budgeting sounds like a good idea to us. Good old fashioned self accountability! Oh no, you're adulting 2.0! (The 2.0 part is where you have to share with the world every move you make...lol).
Yes and if you cannot treat yourself to a nice dinner … do not have a pet or have children yet. First have children ( get their college fund and a nest egg for their start) then be able to get your own haircut and only after all that get a pet ( get a pet latter will also teach your children responsibility and sensitivity).
I don’t disagree, but realistically would paying 10% or 20% less in taxes really change your life? You are better off controlling the things that you can. (Oh, and making sure you are taking advantage of as many tax breaks as you can.)
My eyes rolled into the back of my head when you talked about the different male/female finance topics. Women are typically in charge of household finances and therefore in charge of the budget. Men are typically the primary income earners and therefore seek to earn more money. It's really as simple as that and the content available reflects what people want to watch.
Not necessarily. There are those women & men raising their kids on their own & has to do both ideally. I think Erin just reminded us of the tendencies.
Try researching your assumptions before putting your foot in your mouth. The energy sector is not kind to women. “Women who worked in construction and extraction occupations made 79 cents to the dollar men earned in 2021. That’s $188 out of a weekly paycheck, which means she got paid $9,776 less doing the same job in 2021. This wage gap has widened 6 cents from 2011.”
@shawnbrennan7526 so why construction companies don’t hire only women? They could save over 20%. They hire 99% men because they love men? Or maybe men do better job and are more efficient in this area? Or maybe you pull those statistics out of your a.s and compare brick layers with stop sign holders which are often women.
Haha…sunscreen every day, slugging w/ aquaphor 2x per week over night, the other 4x per week I sleep in frownies, use a retinol over night, low sugar/high fiber diet…. And before I would have said sleep, but now I have a newborn. 😂 I look so much older this year vs last year…sleep makes a huge difference. All in all my skin care routine has like 4 products, and I think they work pretty well
@@mattj5492 both. Loud budgeting has nothing to do with actually budgeting, saving, etc. If you are doing something trendy on social media, you are doing it for monetization in some way or fashion. So, the premise is really about making money to spend money. It's basically just declaring a new year's resolution, which invariably all those loud budgeters will give up on. Quiet luxury is such a ridiculous concept. Instead of buying a loud, colorful Versace garment for $5k, you are going buy a simple garmen for $5k. Sure it may not have a logo on the outside, but people still know you spent $5k on it. You ain't fooling anyone. It's like taking off the emblems of a ferrari and calling it quiet luxury. Quiet luxury is heavily based on fashion, which goes out the window every season.
Not sure. The Loud part means you are open to discussing and talking about budgeting. And that can influence peers to think about their budgeting and plan their spending better.
@@JBoy340a the Loud part in fact means you are open to discussing and talking about budgeting. It started on tiktok and other social media. It's entirely about trying to brag about basically new year's resolutions.
I'm with you Erin - the younger generation is coming up with catchy new names for age old old ideas. They had quiet quitting and now loud budgeting. Funny. Glad you had your baby on the video recently. He's a cutie! Thanks for another great video!
What’s hilarious is when I (and friends ,wife,family,etc) that are the same age or close to the people coming up with a lot of those “catchy names” and we’ve never heard of most of them 😂😂😂. It’s like a strange very very few naming basic things 😂😂😂
"Nothing makes me happier to find out that budgeting is now cool, and saving money is now chic, because that means I'm one step closer to being cool." - Erin
I feel you... 😅
Erin. I'm totally a nerd with this. I've got my 0 based budget spreadsheet built and it goes by paycheck through the year 2041. This all started 18 years ago when my bank card was declined for a $2.99 movie rental at Movie Gallery. Got a Dave Ramsey book and never looked back.
Never heard of it before, but being frugal-ish is something we have practiced our entire lives, and we are retirement age! We get a big kick out of seeing our bank account and stock portfolios grow.
Great video! ❤ When I read the title, I immediately thought of a situation I had during lunch at work this week. I had made stuffed peppers to take for lunch. I put it in a country crock butter bowl lol. My coworker loudly made a big deal about it from across the room.
I'm very proud of my budgeting. Sure I could get a lunch bowl for $1.25 at dollar tree but why? I also used coupons and online deals. I shop at Goodwill, thrift stores, Aldi, and WalMart. I buy meat when its on sale at Ingles. I also buy Manager discount. I got a beautiful head of cauliflower for $1.49. It's over $3 at Walmart.
Budgeting used to be seeing as a shameful thing but it has allowed me to buy rental real estate that has made me a millionaire.
My coworker surprised me this week. It's been a long time since the mean girl has tried to embarrass me at lunch lol .
Well, stuffed peppers are delicious, so keep doing those prepped meals! And I think you should be proud of budgeting. Congrats on your millionaire status, that’s quite an achievement!! 💙
Huge congratulations! Long years of discipline pay off. I love the “mean girl” comment - where _did_ they all go, anyway?? Not in my social circle anymore.
I like the concept of loud budgeting. I
had to look it up on the internet and the Forbes definition is excellent. I think it's a very good thing that people are starting to talk openly about money and its uses.
Very cool. I like this one!! Thanks, Erin.
Glad you like it!
You are really the only TH-cam account on personal finance I follow and watch all videos. I have followed you for about two years I think since you had less then 1000 subs. Best and most relatable content on TH-cam I have found thank you Erin.
Thank you so much!! 😊 that makes me so happy to hear!!
Agree Erin, the young generationg seems to always be coming up with new terms for everything. In this context though I feel it's avery good thing. Whatever it takes for them to truly understand, learn and embrace the concepts on what they need to do. I am normally very critical of social media and it's negative impact on society, but this is indeed a bright spot that I had not been aware of and thank you for sharing it. Your style and approach make you very relatable and easy to understand IMO. I feel this would open you up to a wider range of viewers and increase the likelihood your message will land on fertile soil. Thanks for putting out good content Erin. I do feel you are making a difference. Have a great week Erin. Larry, Central Valley, Ca.
"Budgeting budgeting", Perfect! All these buzzwords have been around for centuries.
Great video, as always. I like the point about talking in % rather than actual dollar figures. That's great advice. That's an easier conversation and everybody can talk pretty openly about that without revealing private information.
Absolutely - because saying something like, hey, we try to save 10-15% of our income still allows you to maintain your privacy 😊
Thank you for educating me! I love this trend
You’re cool! Your coolness starts to plummet, at least in your house when your kid(s) are 11-14yrs old.
😂 right now at 4 months old, I’m pretty darn cool to that little baby, so I’ll hang on to this moment
@@ErinTalksMoney unfortunately soon enough we all become someone's "stupid parent that won't let them do ANYTHING!!" .
Haha, true enough- but they have to rebel a little to figure out who they are as an individual person, right?
It goes back up again when they hit their early 20s. My "kids" now have bills, jobs, rent, etc. They now "get it."
There's an old quote attributed to Mark Twain, but not likely he said it.
"When I was a boy of fourteen, my father was so ignorant I could hardly stand to have the old man around. But when I got to be twenty-one, I was astonished at how much he had learned in seven years."
I talk about finances, budgeting, investing, etc with coworkers and family. The younger people are willing to listen. The older ones will not and remind me that I am not a licensed financial advisor. At the end of the day I am just trying to help people by teaching them what I learned along the way.
Very good video. I have been doing this the last couple years, since retiring, and it is working for me. It is easier to have money on hand, control what I am spending money on and making sure I purchase healthy foods first. I let my family know how my budget is working, so maybe they can adopt some of it to their budgets. Note: I didn't know it is called loud budgeting. Thanks.
I agree with you that lifestyle creep isn't entirely a bad thing. I am the same age as you and I also don't want to live like I did at 22 or 23. I don't want to rent a room in a house and drive a beat up car anymore! I want a little more luxury.
You had a brilliant idea! Using a percentage is a great idea when talking about a budget. Thank you ;-)
😊
Great video, great message
Thank you! 😊
Wow Erin you really went all out on this one. Usually it's a ride the fence and sayings like "personal finance is personal". But you definitely attacked that gender gap and attacked budgeting and saving. You also didn't power point me to death with numbers. You are kinda fierce with this one. And those dudes were gate keeping before. With women they understand what's it's like to be held back. So they have the best advice to handle obstacles. Where as the males from the videos I've seen try to say they were struggling and they got a ton of support and encouragement to save and invest. We as a group have to learn together. But it's okay to point out the differences in how hard it is for different groups to succeed and what they can do to over come their own set of circumstances.
I've been doing low spend months January and I'm continuing in February. I haven't completely eliminated a line item but I use to spend $400-$500 a month on myself, including subscriptions, eating out, etc etc. I've got my fun money spending to less than $200 a month now.
I feel like I've been loud budgeting for 13 months now, so I'm good if it's starting to become a trend, maybe I started it! LOL kidding
Haha, what if you did start it!?!? How cool would that be??
I was about to "pile on" about how this was just the same old "living below your means", but TALKING about it is an interesting twist.
While not new, it's been a while since people really dug in to bragging about spending less.
I have never formally budgeted, always paid myself first & never carried debt except a mortgage, which is now paid off. It’s hard for me to imagine trying to track every dollar super carefully. Instead with any check I get (I am self-employed), after setting aside some for taxes, I put 25% of the remainder in each of four categories (savings, investing, bills and fun). I make do with whatever is in each pile. And I allow myself to blow my fun money however I choose with zero guilt.
Looks sensible to me. Ensures you are paying bills, saving for your future, but still allows for flexibility and fun. What's life without fun, today AND tomorrow?
Oh I think I got it now Loud Budgeting vs Quiet Luxury - maybe?
Yes, the budgeting part is old as dirt. It's the loud part that is new and very much needed. I think people in the financial content space forget how dead silent the rest of the world is on money. Of course the information is available, but a lot of times it's a you don't know what you don't know situation that means people don't seek it out. It would be cool if we could make high savings more of a flex than conspicuous consumption.
Tbh I'm just happy good personal finance is trending at all 😊 Maybe these companies will finally realize that there _is_ a limit to what people will pay for something. They put ads on _paid_ Amazon Prime if you can believe that 😔
LFG! LETS PUFF SOME LOUD AND GET LOUD ERIN!!
Erin is lit
I’m not smart enough to say how, but I think there is a lot to gain for the middle and lower classes if more information about our finances is out in the open
The information is already out there. Has been for a long time. Free to access for anybody with an internet connection or library card.
People need to stop blaming society because the horse doesn't want to drink.
@@danh2716, that’s certainly true but not what I meant-probably worded my comment poorly.
@@danh2716
When your life is a scramble of multiple lie-paying jobs and dealing with the kids and a crappy landlord, you don’t have the luxury of saying “hey, I think I’ll go to the library and try to learn about personal finances today.”
I do taxes for low-income filers through the IRS VITA program. It’s amazing how many “financial mistakes” are made by the working poor. But perhaps more amazing how some of them are making it work on such low incomes.
Great point that we as a society teach women how to cut costs and we teach men how to increase income.
Vestiges of 1950s-era gender roles. I’ve tried to teach my son and daughter the same financial values and skills, but I’m sure some “tradition” has crept in.
Running the numbers is the key to realizing that small changes matter. Cutting out daily lattes, eating out, or worse food delivery is a great way to save. Not getting a daily latte is 365 X 5 = $1825 a year back in your pocket. And if you get a $3 pastry with that latte the total is 365 X 8 = $2920 annually. That is a nice amount to pay yourself.
But, what is a financial freedom number? I guess I have some research to do.
$5 latte?! Ha!
And you forgot to tip. ;)
@@shawnbrennan7526 Your are right. Add 15% to my numbers. (20% if you are a generous tipper!)
I am vocal with my coworkers about how/why I have a disposable income but it goes in one ear/out the other. Volume isn't the answer YET.
I'm soft-retired, and love the term for what I
do, regardless of who invented it. I work 10-15 hours a week by choice.
Love that!
I enjoy using my budget constraints as an excuse not to do things I don't feel like doing. "Sorry ya'll, I can't make it this time, my money's kinda tight this month." Meanwhile, I'm booking a Bahamas cruise and just bought 3 high-end watches 😂
Haha!
I'm not sure those male and female financial discussions happen in a vacuum. The individuals influence the paths those discussion take. Social media hasn't changed much. Its just more clearly displayed the distinction.
A 10% raise would be amazing. I get 3%/yr and I just put it in investments. I'm comfortable with my lifestyle too but have to " upgrade" it with my raises.
Hmmm, I thought loud budgeting would be something more like: "Look everyone! I'm better than you because I don't need to go to Starbucks everyday and waste my money! I save it and I'm only buying things that I need rather than buying things just because everyone else buys it! Anyone who doesn't also do this... just gives me the 'ICK'"!
I like the idea of living below your means, but I don’t like discussing money.
Not sure if it’s my upbringing by well off gen x parents and silent generation grandparents, but I have always been told not to reveal my income or net worth.
You don't have to talk income in order to talk money. When a group is going out for dinner just explain you can't right because of your financial goals for the future. If they don't understand, that's their problem!
@@marram2852 Exactly, it’s been more of an idea of not appearing well off, which my family is.
Money, Faith, Politics are things I have learned to avoid discussing in almost all cases.
Where are you eating where 2 burgers are over $40? Wow. I still know places where I can get a pizza puff, chili cheese hot dog, chili cheese fries and a drink for $15. Of course I am also that guy that has a subscription for Alaska King Crab legs. Its a give and take. My next hobby I was thinking of doing was extreme couponing.. well, maybe semi-extreme. 😇
Wife's a no nonsense type, but is entirely open to everyone living their lives their own way. Soft saving, loud budgeting, extreme saving for early FI, you do you, as long as you don't hurt anyone else, it's your life to do what you want with. BUT if you screw yourself, she doesn't want to hear you whine, zero empathy from her...lol. Loud budgeting sounds like a good idea to us. Good old fashioned self accountability! Oh no, you're adulting 2.0! (The 2.0 part is where you have to share with the world every move you make...lol).
Hahaha
I'll stick with stealth wealth and the anti-budget.
I had loud budgeting today when the mechanic called and said my engine is dead………🥺
Why is it called LOUD again?
Believe it's "loud" because you're vocal about your budget with others.
Yes and if you cannot treat yourself to a nice dinner … do not have a pet or have children yet. First have children ( get their college fund and a nest egg for their start) then be able to get your own haircut and only after all that get a pet ( get a pet latter will also teach your children responsibility and sensitivity).
Let's get the government to cut the spending. Less taxes. More money in my pocket.
I don’t disagree, but realistically would paying 10% or 20% less in taxes really change your life? You are better off controlling the things that you can.
(Oh, and making sure you are taking advantage of as many tax breaks as you can.)
My eyes rolled into the back of my head when you talked about the different male/female finance topics. Women are typically in charge of household finances and therefore in charge of the budget. Men are typically the primary income earners and therefore seek to earn more money. It's really as simple as that and the content available reflects what people want to watch.
Not necessarily. There are those women & men raising their kids on their own & has to do both ideally. I think Erin just reminded us of the tendencies.
If you don’t like gender pay gap you can always go work on off shore oil rigs. I’m sure they pay more then in offices doing social work
Try researching your assumptions before putting your foot in your mouth. The energy sector is not kind to women.
“Women who worked in construction and extraction occupations made 79 cents to the dollar men earned in 2021. That’s $188 out of a weekly paycheck, which means she got paid $9,776 less doing the same job in 2021. This wage gap has widened 6 cents from 2011.”
@shawnbrennan7526 so why construction companies don’t hire only women? They could save over 20%. They hire 99% men because they love men? Or maybe men do better job and are more efficient in this area? Or maybe you pull those statistics out of your a.s and compare brick layers with stop sign holders which are often women.
@@michalstelmach4203
Why the anger, dude?
Google the issue for yourself and feel free to point to facts that show otherwise.
@shawnbrennan7526 So if you like Google so much search for “Gender pay gap debunked”. You’re welcome
@shawnbrennan7526 If you like Google so much search for “Gender pay gap debunked”. You’re welcome
Funny how everything gets recycled and gets a new name.
So saying No is now a trend. Smh
It’d be cool if it was optional; “trending” just means everyone’s broke.
Wow you're near 40?? What's the secret to looking so much younger? I' more curious on that than yoir financial advice now hahaha
Haha…sunscreen every day, slugging w/ aquaphor 2x per week over night, the other 4x per week I sleep in frownies, use a retinol over night, low sugar/high fiber diet…. And before I would have said sleep, but now I have a newborn. 😂 I look so much older this year vs last year…sleep makes a huge difference. All in all my skin care routine has like 4 products, and I think they work pretty well
Lost generation creating "new" ideas renaming original concepts.
So you're in between the younger generation and "us" 50 yr olds?. Lol
Loud budgeting and quiet luxury. It's all stupid.
the names? or the meaning behind them?
@@mattj5492 both. Loud budgeting has nothing to do with actually budgeting, saving, etc. If you are doing something trendy on social media, you are doing it for monetization in some way or fashion. So, the premise is really about making money to spend money. It's basically just declaring a new year's resolution, which invariably all those loud budgeters will give up on. Quiet luxury is such a ridiculous concept. Instead of buying a loud, colorful Versace garment for $5k, you are going buy a simple garmen for $5k. Sure it may not have a logo on the outside, but people still know you spent $5k on it. You ain't fooling anyone. It's like taking off the emblems of a ferrari and calling it quiet luxury. Quiet luxury is heavily based on fashion, which goes out the window every season.
Not sure. The Loud part means you are open to discussing and talking about budgeting. And that can influence peers to think about their budgeting and plan their spending better.
@@JBoy340a the Loud part in fact means you are open to discussing and talking about budgeting. It started on tiktok and other social media. It's entirely about trying to brag about basically new year's resolutions.