Ask any small business owner what has challenged them the most over the past couple of years and you’ll frequently hear about cashflow.(问任何一个小企业主过去几年最挑战他们的是什么，你常会听到“现金流”。) It’s no secret that(……不是秘密) costs have risen dramatically and finding places to save money isn’t easy.
随便问一个小企业主，过去几年里什么最让他们头疼，你常常会听到“现金流”这个词。成本大幅上涨已不是什么秘密，而找到省钱的地方并不容易。
If this describes your situation then I’ve got a solution(解决办法) to your problem. Ever hear of(听说过……吗？) “loud budgeting”? Of course you have! You’ve probably been doing it for years.
如果这描述的是你的情况，那么我有一个解决你问题的办法。听说过“大声预算”吗？你当然听说过！你可能已经这么做了好几年了。
Loud budgeting is considered to be a relatively new trend. According to one recent survey from Bank of America(美国银行), as many as 42% of gen Zers “swear by(极其信赖) it”. The concept isn’t hard. It’s basically the practice of openly proclaiming to the world that you can’t afford to do stuff instead of just quietly going along with the crowd and paying for something that you can’t afford.(这基本上就是公开向世界宣告你负担不起某些事情，而不是悄悄地随大流，为你负担不起的东西买单。) Financial services firm Charles Schwab & Co(嘉信理财) says it “makes oversharing cool – and effective”. The Economic Times says “it’s the smartest way to build wealth in 2026”.
大声预算被认为是一个相对较新的趋势。根据美国银行最近的一项调查，多达42%的Z世代“对它深信不疑”。这个概念并不难理解。它基本上就是公开向世界宣告你负担不起某些事情，而不是悄悄地随大流，为你负担不起的东西买单。金融服务公司嘉信理财表示，它“让过度分享变得酷且有效”。《经济时报》称“这是2026年积累财富最聪明的方式”。