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Money with Saprina

Saprina Allen 2 Episodes Oct 13, 2026

Money with Saprina is a personal finance podcast for women of color who want to get control of their money without the shame or confusion. Each week, Saprina breaks down real-life money topics—budgeting, paying off debt, building savings, and creating wealth when you were never taught how. No jargon. No judgment. Just honest conversations about money, mindset, and building financial confidence. New episodes every week.

Episodes

17. The “I Deserve It” Spending Trap Oct 13, 2026 554 Send us Fan MailYou had a long week. You worked hard, handled everybody else’s problems, and now you want a little treat. And listen, you probably do deserve one. But what happens when spending money becomes the main way you reward yourself for a life that’s exhausting you?In this episode, I’m talking about the difference between using your money to enjoy your life and using your money to recover

16: The $100K Lifestyle Trap: When Your Salary Looks Better Than Your Bank Account Oct 6, 2026 410 Send us Fan MailYou make six figures, but somehow your salary looks a whole lot better than your bank account. Your bills are paid, you have a good career, and from the outside you look like you're doing well. But there's never quite enough left for the savings, debt payoff, investing, or other goals you keep saying you want to prioritize.In this episode, we're talking about the $10

15. You Got the Raise. So Why Do You Still Feel Broke? Sep 29, 2026 445 Send us Fan MailYou got the raise. You crossed six figures. You’re making more money than you ever have before… so why don’t you feel any richer?In this episode, I’m talking about what happens when your income grows but your financial life grows right along with it. We’re getting into lifestyle creep, spending on autopilot, and the question I want you to ask yourself: What did I actually want this

13. Value-Based Spending: How to Identify Your Financial Values Sep 15, 2026 672 Send us Fan MailIn this episode of Money with Saprina, we’re taking value-based spending one step further and figuring out your actual financial values.Because “family, freedom, security and health” might be your values, but they’re usually not specific enough to tell you what deserves more room in your budget and what doesn’t.I’m walking you through the same questions I use with my 1:1 coaching c

BONUS Own Your Seat: Six-Week Savings Challenge Sep 9, 2026 341 Send us Fan MailWhat happens if you miss your next paycheck? What about two or three?Earlier this year, I was laid off from my corporate job. It was scary, but one thing kept me from spiraling: I had spent years building a financial safety net.With Black women’s unemployment rising and so much uncertainty around the economy, I’ve been thinking a lot about what we can control.We can’t control layof

What’s Actually Worth Spending Your Money On? Sep 8, 2026 593 Send us Fan MailFor a long time, I thought being good with money meant being frugal.Cut the subscriptions. Skip the latte. Do it yourself. Find the cheaper option.And for a season, I needed that. I was in debt and trying to change my financial situation. But eventually I realized something: I wasn’t working this hard to get my money together just so I could spend as little as possible for the rest

10. Walk through of my Full Month End close Process Aug 24, 2026 743 Send us Fan MailIn this episodeWhy I stopped asking "was I good with money this month" and started asking a completely different questionWhat changes when your income goes from $24K a year to $200K to a full-time pay cut in your own business — and why looser cash flow makes it easier to get disconnected from your spending, not harderMy actual month-end process: reconciling in Monarch Mon

9. You Know What to Do With Your Money. So Why Aren’t You Doing It? Aug 18, 2026 520 Send us Fan MailYou know what you’re supposed to do with your money.You’ve read the books. You’ve listened to the podcasts. You know you should budget, save, pay down debt, and stop spending money you didn’t plan to spend.So why is it still so hard to actually do it?In this episode, I’m talking about the piece of money management we don’t talk about enough: self-trust.For years, I thought becoming

8. 7 Money Mistakes Keeping You Broke Aug 10, 2026 411 Send us Fan MailYou did what you were supposed to do. The career took off, the paycheck got bigger and somehow you're still living in the same debt cycle, still one surprise expense away from a spiral. That gap between what you earn and how secure you actually feel isn't a discipline problem. In this episode, Saprina breaks down the seven mistakes that quietly keep high earners stuck, a

7. The High Earner Debt Trap: How To Break The Cycle And Build Wealth Aug 5, 2026 390 Send us Fan MailYou hit the income number you once called your "I made it" number. The promotion came. The paycheck came. From the outside, you look like you are winning.But behind the scenes, you are juggling credit card debt, lifestyle inflation, and monthly payments you never quite get ahead of. And every month you wonder the same thing. How am I making this much money and still feeli

6. How to Know If Your Lifestyle Is Outpacing Your Income Jul 28, 2026 661 Send us Fan MailGetting a raise should feel good. So why does your budget still feel tight?In this episode:What lifestyle inflation actually is, and why it isn't automatically a bad thingThe three real causes of lifestyle creep: "I deserve it" thinking, social comparison, and spending on autopilotWhy housing and transportation are the two areas of your budget that spiral fastest, an

5. Living Paycheck to Paycheck? Here's the Real Reason (It's Not Your Budget) Jul 21, 2026 823 Send us Fan Mail70% of Americans live paycheck to paycheck, including 1 in 10 who make six figures. Saprina breaks down what living paycheck to paycheck actually means, why it is not always a budgeting problem, and the exact steps to build your buffer and break the cycle.You make good money. So why does it still feel like you are one bill away from a crisis?In this episode, Saprina defines what li

4. What If You're Not Bad With Money? Jul 14, 2026 534 Send us Fan MailIf you've ever told yourself, "I'm just not a money person," this episode is for you. It's the number one thing I hear from new clients, and it's simply not true. Being good with money is a skill. Not a personality trait. And skills can be learned.In this episode, I break down why the "I'm bad with money" story sticks so hard for us gene

3. The Financially Secure Framework: The 4 Pillars You Need to Feel in Control of Your Money Jul 7, 2026 621 Send us Fan MailIn this episode, I'm breaking down:Why most money frameworks fail you (hint: life is not linear, so why is the plan?)Pillar 1: Know Your Numbers — the three numbers you cannot avoid knowing anymore: your net worth, your bare bones number, and your savings rateThe real number I started with. Not the $36K everyone thinks. The real one was closer to $80KPillar 2: Emergency Fund —

Emergency Fund Essentials for Every Situation Jun 29, 2026 353 Send us Fan MailMost people will tell you three to six months. I'm going to give you the real answer — because the right number is different for everyone, and getting it wrong is too expensive a mistake.In this episode, we're breaking down everything you need to know about your emergency fund. What it actually is, how much you should have based on YOUR situation, and exactly where it sho

Episode 1: My Money Story (And Why I Built This) Jun 29, 2026 223 Send us Fan MailIf you're making good money and still feel like you have nothing to show for it, this episode is where we start.In this first episode, I'm sharing my story — the real one. Growing up the oldest child of a single mom. Becoming the first in my family to go to college, land the corporate job, and hit six figures. And still finding myself with cars repossessed, evictions, and

Money with Saprina

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