While nobody’s saying you shouldn’t save for retirement , it is a bit boring to only think about what your life will look like 40 years from now. You can plan so that the 70-year-old version of yourself gets to sip margaritas on a beach, but what about the version of you right now ? She wants a margarita, too.

That’s where soft saving , a TikTok-viral budgeting trend, comes in. According to Nicole Lapin, financial expert, author, and host of the Money Rehab podcast, “soft saving” shifts away from the strict budgeting plans of yesteryear and leans into something more realistic.

Instead of putting every penny you earn towards long-term goals, the idea is to set aside some coin to have some fun in the moment. On TikTok, many hardcore trends eventually take on a soft version.

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