“Hey guys, I’m not rich.” This is what my 20-year-old daughter told me that she said to her college roommates when they started picking out expensive decor to purchase.

I didn’t know it at the time, but Celeste was practicing “loud budgeting”, a recent trend among Gen Z and Millenials in which people are encouraged to prioritize their own mental and financial health and firmly express their financial limitations and boundaries. (Good for her! And, boy, I was relieved as well!)

When I shared the story with my Gen X friends, we laughed with amusement that Celeste stated her........

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