熱門時事分享：擺脫精緻窮的社交壓力，高收入族群為何也開始擁抱大聲省錢？｜20261110
目錄
2026 年 11 月 10 日｜HOT 用英文聊時事｜S1 EP52
歡迎收聽《HOT 用英文聊時事》。你有沒有遇過這種情況？朋友約吃飯、旅行，或是突然揪一個週末活動，你看到價錢的第一個反應是：「有點貴耶。」但大家都說要去，你又覺得只有自己拒絕好像很掃興，最後還是答應了。這種時候，最尷尬的常常就是錢。直接跟朋友說「最近預算不夠」，很多人講不太出口。更別說直接說：「這個我花得起，但我現在不想花。」
Welcome to “Hot English Topics.” Have you ever been in this situation? A friend invites you out for dinner, a trip, or a weekend activity, and your first thought when you see the price is, “That’s a bit expensive.” But everyone else says yes, and you worry that turning it down might spoil the mood, so you agree to go anyway. In moments like this, talking about money can be the most awkward part. A lot of people find it hard to tell their friends, “My budget is a little tight right now.” It can feel even harder to say, “I could pay for it, but I just don’t want to.”
2023 年底，美國作家兼喜劇演員 Lukas Battle 在 TikTok 上提到一個詞，叫做 Loud Budgeting 大聲預算。他用一句話總結這個概念：「不是我沒有錢，而是我不想花。」這個概念後來會引起這麼多人共鳴，大概也跟我們平常在社群上看到的東西有關。以前大家比較常分享買了什麼、去了哪裡、吃了什麼。現在卻開始有人很直接地說：「這個月我要存旅費，所以這攤先不去。」或是「最近有其他計畫，這個東西我就不買了。」省錢這件事，也開始可以大方講出來。
In late 2023, American writer and comedian Lukas Battle introduced the term “Loud Budgeting” on TikTok. He summed it up in one line: “It’s not that I don’t have the money. I just don’t want to spend it.” The reason this idea resonated with so many people is probably tied to the kind of content we usually see on social media. People used to mostly share what they bought, where they went, or what they ate. Now, though, some people are starting to be more direct, saying things like, “I’m saving for a trip this month, so I’m sitting this one out,” or “I have other plans right now, so I’m going to pass on this.” Saving money is becoming something people feel more comfortable talking about openly.
有一種狀況應該很多人都滿熟悉的。剛出社會的時候，可能覺得一頓五、六百塊的餐廳已經算不錯了，後來薪水慢慢增加，餐廳愈吃愈貴，旅行住的飯店也升級，買東西時會開始覺得：「我現在都這個年紀了，好像可以買好一點的吧？」每一筆看起來都沒有多誇張，但全部加起來，生活費就這樣一路往上墊高。
A lot of people can probably relate to this. When you first start working, spending NT$500 or NT$600 on a meal might already feel like a treat. But as your salary gradually rises, you find yourself choosing more expensive restaurants, staying at nicer hotels when you travel, and thinking, “At this age, I might as well get something a little nicer, right?” None of these choices may seem like a big deal on their own, but together, they can slowly push your cost of living higher.
麻煩的地方是，你自己不一定會發現。尤其現在每天都在看社群，別人在日本住哪間飯店、朋友換了什麼車、同事週末去哪間餐廳，這些東西看久了，很容易慢慢變成自己的參考標準。所以有時候會出現一個滿奇怪的狀況：薪水明明比幾年前高，平常生活看起來也過得不錯，但突然碰到修車、生病，或是一段時間沒有收入，才發現手上的錢沒有想像中寬鬆，這也是大家常說的「精緻窮」。
The tricky part is that you might not even notice it happening. On social media, you constantly see where people stay in Japan, what cars your friends buy, or which restaurants your coworkers visit. Over time, those choices can start to shape your own standards. This can create a strange situation: because you’re making more than before, you feel like you’re doing pretty well, but when a sudden expense hits—like a car repair, an illness, or a gap in income—you realize your finances are actually much tighter than you thought. Online, people sometimes jokingly call this being “broqué” — looking well-off on the outside while actually feeling broke.
而且工作愈久之後，還會多一種壓力。朋友可能會覺得，你現在收入不錯了，吃一頓貴一點的應該沒差？旅行住好一點也還好？送禮、聚餐、應酬，好像都會跟著你的收入一起升級，偏偏這些錢你也不是付不起，就是因為付得起，反而更難拒絕。
And as you get further along in your career, the social pressure only grows. Friends may think, “You’re making good money now, so spending a little more on dinner shouldn’t be a problem, right?” Or, “Why not stay somewhere nicer when you travel?” Gifts, dinners, and work-related social events can all get more expensive as your income rises. It’s not that you can’t afford it—it’s precisely because you can afford it that saying no becomes even harder.
不過大聲預算的 Loud，也不是要你突然開始跟所有朋友報告自己的薪水和存款，沒有必要講到那麼細，你只要讓對方知道，最近你的錢有別的安排就可以了。比如說：「我今年想先把旅費存起來，所以最近少吃幾次大餐。」或者朋友揪你買某個很貴的東西，你也可以說：「我最近在存頭期款，這個先跳過。」這樣其實就夠了。
But the “loud” in Loud Budgeting doesn’t mean you need to start telling all your friends how much you earn or how much you have in savings. You don’t need to share that much detail. It’s enough to let people know that your money is going toward other priorities right now. For example, you might say, “I’m saving for a trip this year, so I’m cutting back on expensive meals for a while.” Or if a friend invites you to split something pricey with them, you could say, “I’m saving for a down payment right now, so I’m going to pass on this one.” That’s really all you need to say.
而且有一個好處是，當你自己已經很清楚最近最想完成什麼，有明確的財務界線，之後每次有人找你花錢，就比較不需要在那邊糾結半天，你會先看這筆錢會不會影響原本的計畫，再決定要不要花，朋友也比較容易理解，有錢去做一件事，不代表你每一次都想把錢花在那裡。本來就不會每個人都一樣，所以當大家開始願意把這些事情說出來，那種「大家都去了，我是不是也應該去」的壓力，多少就會少一點。
One benefit is that once you’re clear about your goals and financial boundaries, spending decisions get easier. Instead of agonizing every time someone invites you to spend money, you can just check whether it fits your plans before saying yes. Friends will also be more understanding of the fact that just because you can afford something doesn’t mean you want to spend money on it every time. When people are more open about those priorities, there’s less pressure to think, “Everyone else is going, so maybe I should too.”
這件事到了三、四十歲之後，感受可能又更明顯。因為這時候每個月要付的錢，常常已經很多了，房貸、車貸、小孩的費用、爸媽的健康支出，還要想到自己的退休，有些不是固定每個月發生，但你知道早晚都可能會用到錢。
This can become even more noticeable in your thirties and forties. By then, you may already be juggling a mortgage, car payments, expenses for your children, your parents’ health care, and your own retirement. Some of these costs may not come up every month, but you know you’ll need the money sooner or later.
另外，這群人同時還要面對子女教養與父母健康等問題。所以朋友突然約一頓兩、三千塊的餐廳，你可能付得起，可是腦袋裡想的是：「我下個月還有保險要繳。」或者「爸媽最近可能要做檢查。」這時候拒絕一個邀約，真的不用搞得很沉重。你就說：「最近開銷比較多，這次我先不去。」其實大家通常也聽得懂。大聲省錢放到這個年紀，很實際的一點就是，它讓每個人不用每一次都為了拒絕花錢，另外編一個理由。
They’re also dealing with things like raising children and looking after their parents’ health. So if a friend suddenly suggests a NT$2,000 or NT$3,000 dinner, you might be able to afford it, but still be thinking, “I’ve got an insurance payment due next month,” or, “My parents may need a checkup soon.” Saying no doesn’t have to feel like a big deal. You can simply say, “I’ve got a lot of expenses right now, so I’m going to sit this one out.” Most people will understand. At this stage of life, one practical benefit of Loud Budgeting is that you don’t have to make up a new excuse every time you decide to pass on spending.
當然，大聲省錢也有可能走到另一個極端。比如有些人開始控制預算之後，只要今天多花了五百塊，就會一直覺得：「完了，我今天又沒忍住。」一次聚餐超過預算，也會怪自己怎麼這麼不自律，久了其實滿累的，有時候忍太久，反而容易變成報復性消費。還有另一種狀況也滿常見。自己開始省錢之後，看別人買東西，忍不住就會想：「這有什麼好買的？」、「幹嘛花這麼多錢？」可是別人想把錢花在哪裡，本來就是別人的事，你可以很大聲地講自己的預算，但沒有必要順便幫別人管錢。
Of course, Loud Budgeting can go too far. For some people, even spending NT$500 over budget can trigger thoughts like, “Oh no, I messed up again.” If a meal goes over budget, they may blame themselves for not having enough self-control, and that can get exhausting after a while. After holding back for too long, it can actually lead to revenge spending. Another common trap is judging how other people spend. Once you start saving more, it can be tempting to think, “Why would they buy that?” or “Why are they spending so much?” But what others choose to spend their money on is completely their business. You can be open about your own budget without trying to manage someone else’s money.
有些錢花下去就是會開心。難得跟朋友出去玩、吃一頓喜歡的餐廳、買一個考慮了很久但還是很想要的東西，這些也都可以接受。只要在真的要花費之前，問自己幾個很普通的問題就夠了，「我是真的需要嗎？」「這筆花下去，會不會影響我最近更想完成的事？」如果答案想清楚了，那要花就花，不花也不用不好意思。錢要花在哪裡，本來就會隨著每個人的生活一直變，知道自己最近最在意什麼，大概就已經省掉很多不必要的壓力了。
Some things are simply worth the splurge. A rare trip with friends, a meal at a restaurant you really enjoy, or something you’ve thought about for a long time and still really want are all reasonable choices. Before spending, all you need to do is ask yourself a couple of simple questions: “Do I really need this?” and “Will spending this money get in the way of something I want more right now?” Once you have your answer, go for it—and if you choose not to spend the money, don’t feel awkward about it. How you choose to spend your money naturally shifts as life changes, and being clear about what matters to you right now can take away a lot of unnecessary pressure.
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