Skip to main content Skip to chat

Loud budgeting breaks down money taboos

Here's a trend that can give us the confidence to speak up about money and turns some of our cultural norms upside down.

March 6, 2024

Written by Kelley Keehn

Three women having coffee and chatting at a diner.

Key takeaways

  • Loud budgeting is a viral sensation on social media, particularly TikTok, where individuals proudly declare their financial goals and challenges.
  • Such transparency can be empowering, but some caution against publicly oversharing.
  • But there are many benefits to talking openly about money, including highlighting wage gaps and promoting financial literacy.

Loud budgeting breaks down money taboos

It’s rude to talk about money — or at least that’s what previous generations were raised to believe. 

This rings especially true for women. According to a recent survey, women are significantly less likely to share financial information than men are, including information like salary, savings, spending on non-essential items, and credit scores.

But in 2024, women are starting to embrace a different perspective. Enter loud budgeting, a trend that can give us the confidence to speak up about money and turns some of our cultural norms upside down. How, you ask? Let’s get into it.

What is loud budgeting?

Loud budgeting isn’t your grandma’s budgeting strategy, and doesn’t require a balance sheet or anything else you might associate with the word “budget.” It’s more of a mindset that represents a cultural shift from conspicuous consumption to forthright financial prudence. 

Writer and comedian Lukas Battle kicked off the loud budgeting trend in his TikTok video at the end of 2023. According to Battle, “It’s not ‘I don’t have enough,’ it’s ‘I don’t want to spend.’” Being vocal about having money earmarked for other purposes – whether savings, debt or another financial goal – means you don’t have to make purchases simply to keep up with your peers. 

Loud budgeting is a viral sensation on social media, particularly TikTok, where individuals proudly declare their financial goals and challenges.

“Loud budgeting is effectively being upfront about your financial situation and when something doesn't align with your financial goals, values or capacity,” says Certified Financial Behavior Specialist® Emma Edwards, AKA @the.brokegeneration, in a video. While Edwards says there shouldn’t be any shame in saying no to things for financial reasons, she admits it can be hard to put loud budgeting into practice. 

“We have this belief that our financial situation shouldn't have to be an inconvenience to others, or we shouldn't reveal ourselves as being on a budget.”

While certified financial coach, accountant and author Alaina Fingal (@TheOrganizedMoney) loves the loud budgeting trend, in one TikTok video, she cautions against oversharing. It might make your community feel like they have to help you, or you may not get invited to things, because they want to avoid awkward conversations, Fingal warns. “You gotta be careful with this trend because, just like anything, going too extreme one way or another could possibly hurt you and your family and friends.”

Join GTA influencer @Ryeanne.oc for some on-the-go loud budgeting as she shops for discount groceries. “You’re not going to find me paying full price for some food when I can get it on discount,” she says during a grocery trip. She shares how to save money on everything from ice cream to breaded frozen pickles in order to stay within your budget.

Loud budgeting pros and cons

Like any money strategy, loud budgeting has benefits and drawbacks to consider.


  • Empowerment through transparency. By discussing your financial situation openly, you take control and contribute to dismantling the stigma around money conversations. 
  • Align your spending with your values and priorities. By announcing your intentions with your money, you avoid the pitfall of spending to keep up appearances. It’s all about spending on what really matters to you.
  • Find support in the loud budgeting community. There's a community of like-minded people online who share the same budgeting philosophy. Tap into their support!


  • Privacy concerns. Critics of being open about money, especially on social media, have concerns about oversharing. And if you have concerns about oversharing, try loud budgeting within your social circle and keep it off social media.
  • Potential for judgment: Yeah, there might be some haters, but who cares? Whenever you share something personal, there’s bound to be someone who sees things differently. But it’s your life and your budget! Ultimately, you answer to yourself (and your bank account). 

Why do women need to talk about money?

Without open, frank conversations about financial topics, women are at a disadvantage. Here’s why it’s essential for women to talk about money.

  • It improves financial literacy. Not only do you learn from others' knowledge and experience, but you may find out about financial resources and experts to contact.
  • It highlights if there’s a wage gap. Women still make $0.89 for every $1 men make. When women talk about their salaries, they take one step closer to getting paid the same as their male coworkers. 
  • It means women are more prepared to take over household finances. Traditionally women would rely on husbands to take care of the finances, but that’s not necessarily the case any more. Talking about money now and making a plan means that women are more prepared to handle what life brings down the road.

Loud budgeting is just one tool to help women — and men — become more financially empowered. Let it inspire you to spend money on what’s important to you, create new financial goals, and be ready for life's unexpected curveballs. 

So, turn up the volume, take control of your financial narrative, and let’s make 2024 the year we shout about our money wins!

This article or video (the “Content”), as applicable, is provided by independent third parties that are not affiliated with Tangerine Bank or any of its affiliates. Tangerine Bank and its affiliates neither endorse or approve nor are liable for any third party Content, or investment or financial loss arising from any use of such Content.

The Content is provided for general information and educational purposes only, is not intended to be relied upon as, or provide, personal financial, tax or investment advice and does not take into account the specific objectives, personal, financial, legal or tax situation, or particular circumstances and needs of any specific person. No information contained in the Content constitutes, or should be construed as, a recommendation, offer or solicitation by Tangerine to buy, hold or sell any security, financial product or instrument discussed therein or to follow any particular investment or financial strategy. In making your financial and investment decisions, you will consult with and rely upon your own advisors and will seek your own professional advice regarding the appropriateness of implementing strategies before taking action. Any information, data, opinions, views, advice, recommendations or other content provided by any third party are solely those of such third party and not of Tangerine Bank or its affiliates, and Tangerine Bank and its affiliates accept no liability in respect thereof and do not guarantee the accuracy or reliability of any information in the third party Content. Any information contained in the Content, including information related to interest rates, market conditions, tax rules, and other investment factors, is subject to change without notice, and neither Tangerine Bank nor its affiliates are responsible for updating this information.

Tangerine Investment Funds are managed by 1832 Asset Management L.P. and are only available by opening an Investment Fund Account with Tangerine Investment Funds Limited. These firms are wholly owned subsidiaries of The Bank of Nova Scotia. Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments. Please read the prospectus before investing. Mutual funds are not guaranteed, their values change frequently and past performance may not be repeated.