In a hard pivot from last year's "quiet luxury," people are posting on social media about their new plans to "loud budget," which basically means setting spending goals and telling their friends about it. ⁠ ⁠ The first mention of the idea came in a TikTok from New York-based comedian Lukas Battle in December, where he compares it to sneaking candy into a movie theater, saying, “It’s not ‘I don’t have enough,’ it’s, ‘I don’t want to spend.’” ⁠ ⁠ Since then, creators in the personal finance sphere have glommed onto the idea, encouraging people to set budgets and get their social circle involved for accountability. ⁠ ⁠ Tips include:⁠ • Asking your friends to trade expensive dinners or trips for potlucks or free activities.⁠ • Being upfront about not being able to do something because it’s out of your budget for the month.⁠ ⁠ But why now? Well, it's the start of 2024, and everyone is reflecting and setting goals. Plus, people are finally looking at their credit card statements after the la...