2024: The Year of #FinTok
While Americans typically stick with new trends for only about four weeks1, 2024 has proven to be the year for #FinTok. In fact, according to TikTok®, there’s been an overall 373% rise in financial content in the app over the last year. From creative budgeting hacks to savvy saving strategies, explore this year’s top #FinTok trends ranked by Chime that are reshaping the way we think about personal finance.
This Quiz Will Reveal Your #FinTok Persona
Sound on! Your answer is paired with your #FinTok anthem.
Everyone has a #FinTok persona. What’s yours?
Take this quiz to find out which #FinTok trend best reflects your financial mindset.
Girl Math
Girl Math
You have a knack for turning complex financial concepts into simple, relatable ideas. Like the trend of “Girl Math,” you rationalize your spending in creative, often humorous ways to make it seem more manageable. It’s not about denial—it’s about making finance fun and a little less scary.
Cash Stuffing
Cash Stuffing
You’re practical and prefer a hands-on approach to managing money. Much like the “Cash Stuffing” trend, you feel most comfortable when you can physically track your finances, allocating cash into envelopes to stay organized and in control.
Loud Budgeting
Loud Budgeting
You’re all about transparency and sharing your financial journey with others. Similar to the “Loud Budgeting” trend, you feel empowered by being open about your finances—whether it’s discussing your income, expenses, or savings. Sharing makes you feel more accountable and less alone.
Money Dysmorphia
Money Dysmorphia
You tend to have a distorted view of your financial reality. Like the trend of “Money Dysmorphia,” your perception of your financial health is often more negative than it truly is, causing you to underestimate your progress or stability.
Underconsumption
Underconsumption
You’re a minimalist and take a modest approach to spending. Much like the “Underconsumption” trend, you seek financial freedom and simplicity, and make sure all of your purchases are as intentional as possible.
Chime’s #FinTok Wrapped
Learn more about the viral #FinTok trends you saw online this year
Meaning A humorous, yet insightful way people rationalize spending habits—especially smaller purchases that feel justified based on emotional logic. It originated when TikTok creators would use humor to show how they justify their everyday spending decisions. e.g. “If I return something and use that money to buy something else, it’s like I didn’t spend anything!”
Girl Math
Meaning A budgeting method where individuals physically allocate cash into envelopes for specific spending categories like rent, groceries, and entertainment. Inspired by the traditional “envelope system,” it gained renewed popularity on TikTok this year, offering a tangible way to connect with budgeting and track spending.
Cash Stuffing
Meaning The practice of openly sharing detailed budgeting techniques and financial goals online to destigmatize conversations around money. On TikTok, creators showcased their budgeting methods—often linked to specific goals like paying off debt or saving for big purchases—engaging audiences through transparency, sometimes even using humor or unique tracking systems.
Loud Budgeting
Meaning This describes the disconnect between someone’s actual financial health and their perception of it. It’s marked by a tendency to view one’s financial situation as worse than it truly is, leading to unnecessary anxiety and self-doubt. Even when finances are stable or sufficient, individuals often feel insecure or stressed.
Money Dysmorphia
Meaning A minimalist approach of spending less and reducing unnecessary consumption, ultimately resulting in financial freedom and simplicity. On TikTok, this trend is driven by sustainability advocates and individuals focused on decluttering their lives—both financially and materially. It’s often paired with environmental and anti-capitalist narratives, as people seek a simpler, more intentional way of living.
Undercomsumption
Meaning Focusing on reducing digital expenses such as subscriptions, app purchases, or streaming services.
Digital Minimalism
Meaning Discussing the emotional and psychological aspects of money management; combining traditional therapy with financial coaching.
Financial Therapy
Meaning The belief in debts that don’t actually exist. This often stems from misunderstandings or falling prey to scams, leading individuals to feel burdened by imaginary financial obligations.
Phantom Debt
Meaning An approach to saving where individuals freeze spending on everything except for the essentials for a set period of time—typically a month or a year—hitting the “reset” button on finances.
No-Spend Challenge
Meaning A playful rebellion against consumerism, where TikTok creators advise users to think twice before buying certain trendy products, especially those hyped by influencers.
De-Influencing
Meaning A blend of “spending” and “saving,” it refers to the practice of spending money on sales, discounts, or promotional offers with the intention of saving in the long run.
Spaving
Meaning A behavior where individuals engage in impulsive or excessive shopping to self-soothe or cope with anxiety, often driven by pessimism about the economy or their financial future.
Doom Spending
Meaning A savvy trend where creators educate audiences on how to make their money work harder by using this type of account to help savings grow faster than the old-school options.
High-Yield Savings Accounts
Meaning A spending approach that promotes mindfulness, encouraging individuals to consider the necessity and cost of each item instead of making impulsive purchases.
Slow Shopping
Meaning A budgeting challenge that encourages users to build an emergency fund by setting small, achievable savings goals.
Emergency Fund Challenges
Meaning The concept of investing small amounts regularly using platforms like Acorns® or Robinhood® to show how small contributions can lead to significant growth over time.
Micro-Investing
Meaning The principle of prioritizing your savings or investments by automatically transferring a portion of your income before covering other expenses.
Pay-Yourself-First
Meaning A spending habit where, despite rising prices for leisure activities like concerts and travel, individuals continue to prioritize and splurge on these costly experiences.
Funflation
Meaning A budgeting strategy of setting aside money for a specific future expense—like a vacation or a car repair—to manage those irregular costs without impacting your regular budget.
Sinking Funds
Meaning A flexible approach to saving that emphasizes balance and mindfulness over extreme frugality, championing gradual, sustainable savings that allow for occasional indulgences.
Soft Saving
How did we determine these #FinTok trends?
Our approach to identifying #FinTok trends involved using AI, search engines, and social scraping tools to track trending financial keywords, influencers, and audience feedback. We then analyzed engagement metrics, growth patterns, and sentiment to confirm trends’ staying power, cross-validating with other platforms and media for reliability.
3.3 Billion Views
With over 3.3 billion views and counting, #GirlMath is a viral sensation, with millions of likes and people justifying those impulse buys. Source
181.1K Posts
The #GirlMath trend has amassed 181,100 posts and counting—proving that humorous financial reasoning is here to stay. Source
Popular on Payday
#GirlMath stays on the rise, with periodic spikes around payday—because who doesn’t need a little math to justify those payday splurges?2. Source
1.9 Billion Views
#CashStuffing has racked up 1.9B views on TikTok, showcasing how Millennials and Gen Z alike are bringing budgeting back to basics with a viral twist. Source
147K Posts
With over 147K posts, #CashStuffing has become the go-to trend for those seeking a hands-on, tangible approach to budgeting. Source
4k Posts
#LoudBudgeting has sparked over 4,000 posts on TikTok, with users sharing real, raw budgeting stories that resonate with Millennials tackling student loans and debt. Source
220K+ Likes
With 220K+ likes on the top post, #LoudBudgeting shows how personal financial transparency is driving a new wave of budgeting content. Source
Growing Anxiety
With 40% of Gen Z and Millennials reporting #MoneyDysmorphia, this trend reflects a growing anxiety about finances. Source
Higher Living Costs
Urban centers with higher living costs, such as Los Angeles and New York City, show increased participation in the #MoneyDysmorphia trend. Source
20K Posts
#Underconsumption has over 20,000 posts on TikTok, proving that less really can be more when it comes to mindful spending. Source
+4,250% Searches
Searches for ‘underconsumption core’ spiked 4,250% in the past year, highlighting a surge in interest around minimalist and sustainable living. Source
How #FinTok Impacted Consumers in 2024
In a recent survey, Chime discovered how #FinTok helped Americans Unlock Financial Progress™.
%
of Americans admit #FinTok has improved their financial situation at home
%
of Americans believe that the information they get on #FinTok is better than other sources they’ve used before
%
of Americans are planning to use #FinTok more in 2025 than in 2024
Source1 : Chime #FinTok Wrapped survey conducted by market research company Talker Research, whose team members are members of the Market Research Society (MRS) and the European Society for Opinion and Marketing Research (ESOMAR). The survey was conducted between November 1 – 6, 2024 and included 2,000 Americans who use #FinTok, split evenly by generation (500 Gen Z, 500 Millennials, 500 Gen X and 500 Baby Boomers).
Source2: These insights are derived from analyzing user engagement patterns on TikTok and corroborated by data from platforms like Google Trends and Exploding Topics, which track the popularity and growth of online trends over time.
© 2024 Chime. Chime® is not sponsored or endorsed by, or otherwise affiliated with, TikTok® or any other third-party brands referenced, all of which are referenced for informational purposes only and are trademarks of their respective owners.