‘Loud budgeting’ is in for 2024, TikTok users say. It’s kind of a joke — but experts say it could help you.

Go ahead and send that Venmo request. Skip the drinks and just do dinner. Have the courage to raise your hand in the group chat and say “Actually, no, I CAN’T afford another nightclub with a $40 cover — perhaps a cozy night in instead?”

Welcome to the wonderful world of loud budgeting, the TikTok trend that calls for curbing your spending by declaring your financial limits. Because in this economy, there’s a good chance everyone else is just as broke as you are. 

Someone…