Money with Saprina

Saprina Allen
  • 5.0 (3)
  • Self-Improvement

Money With Saprina is for high-achieving women who make good money but still feel like they should be further ahead. I’m Saprina Allen, a financial coach, and every week we have honest conversations about what it actually takes to pay off debt, build wealth, and create a financial life that feels like yours. We talk cash flow, spending, debt, investing, financial systems, and the emotional side of money that most personal finance advice skips right over. Because making more money doesn’t automatically make you better at managing it. And being good with money isn’t about restriction, perfection, or never buying the latte. It’s about knowing what you want your money to do, building systems you can trust, and making intentional decisions that support both the life you want now and the future you’re building. No shame. No financial perfection. Just practical strategies, real conversations, and a better way to make your money work for you. www.SaprinaA.com

  1. 3d ago

    16: The $100K Lifestyle Trap: When Your Salary Looks Better Than Your Bank Account

    Send us Fan Mail You 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 $100K lifestyle trap and the invisible pressure to make your lifestyle match your income. Because enjoying your money isn't the problem. The question is whether you consciously chose the lifestyle you're paying for or whether it quietly became what you thought someone at your income level was supposed to have. If you're making good money but wondering where the hell it keeps going, this is exactly what we work on inside my 12-week private coaching. We'll look at your actual numbers, figure out what matters to you, and build a plan that makes room for the life you actually want. Book a consultation call to learn more. If you’re making good money but still feel like your finances don’t match the life you’re trying to build, apply for 1:1 coaching with me. 👉 Schedule your coaching consultation

  2. Sep 29

    15. You Got the Raise. So Why Do You Still Feel Broke?

    Send us Fan Mail You 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 raise to do for me? Because making more money and building financial security are two different skills. If you’re making good money but still wondering where it all went, this episode is for you. And if you’re ready to build a plan around the money you’re already making, book a consultation call or DM me on Instagram @ItsSaprina. If you’re making good money but still feel like your finances don’t match the life you’re trying to build, apply for 1:1 coaching with me. 👉 Schedule your coaching consultation

  3. Sep 15

    13. Value-Based Spending: How to Identify Your Financial Values

    Send us Fan Mail In 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 clients to uncover what they genuinely value based on how they want to live, the purchases they’ve loved, the ones they regret and the patterns hiding underneath both. We’ll talk about: • The difference between personal values and financial values • Why value-based spending requires trade-offs • How to use an imaginary extra $1,000 to uncover what you value • What your favorite purchases can teach you about your money • Why spending regrets are just as useful • How to identify patterns in your spending • How to choose your three “working financial values” • A simple 30-day experiment to see whether your spending actually reflects those values By the end of the episode, you’ll be able to complete this sentence: Because I value ______, I’m willing to spend more money on ______ and less money on ______. That’s where your financial values become useful. Your financial values aren’t the things you think you should spend money on. They’re the things you intentionally make room for in your budget, even when making room for them means saying no to something else. And they’re allowed to change. Different seasons of your life can require different things from your money. 🎧 Listen to the episode, grab your notes app or journal and identify your three working financial values for the next 30 days. Money with Saprina is a personal finance podcast about budgeting, spending, saving, debt, investing and building a financial life that actually feels like yours. If you’re making good money but still feel like your finances don’t match the life you’re trying to build, apply for 1:1 coaching with me. 👉 Schedule your coaching consultation

  4. Sep 9 ·  Bonus

    BONUS Own Your Seat: Six-Week Savings Challenge

    Send us Fan Mail What 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 layoffs. We can’t control the economy. But we can start building something underneath us. In this bonus episode, I’m sharing why I created Own Your Seat, my free 6-week savings challenge, and exactly what we’ll be doing together. We’re not trying to save some arbitrary amount of money. And I’m definitely not telling you to stop buying coffee. Instead, we’re going to look for money that’s already moving through your life and find realistic ways to keep more of it. Every week, we’ll focus on one specific Money Hunt. We’ll look at forgotten subscriptions, bills you can negotiate, refunds and money you may have missed, food you’ve already paid for, and more. The goal is simple: Find it. Automate it. Move it. Count it. Own Your Seat starts September 14 and it’s completely free. Claim your seat: JOIN THE CHALLENGE   Because we may not own the table yet. But we can own our seat. If you’re making good money but still feel like your finances don’t match the life you’re trying to build, apply for 1:1 coaching with me. 👉 Schedule your coaching consultation

  5. Sep 8

    What’s Actually Worth Spending Your Money On?

    Send us Fan Mail For 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 of my life. The goal isn’t to spend less. The goal is to know where your money is going and choose where it goes on purpose. In this episode, we’re talking about value-based spending and how I went from restrictive budgeting to intentionally spending more on the things that actually add color to my life. I’m breaking down: Why frugality can be a useful season without becoming your entire financial identityWhat cutting almost everything from my budget taught me about what I actually valueWhy I’ll happily spend $500 on travel but say no to plenty of other thingsHow to tell the difference between spending you genuinely value and spending that’s just there by defaultMy cupcake method for thinking about your spending: the cake, frosting, sprinkles, and cherry on topA simple exercise to identify your own financial valuesYour money check-in for this week: If you could spend your discretionary money in only three areas, what would you choose? Not what you should choose. What would you genuinely miss if it disappeared? Because being good with money isn’t about spending as little as possible. It’s about knowing where your money is going and choosing where it goes instead of letting it happen by default. Next week, I’m walking you through the exact system I use with my private coaching clients to identify their financial values. Work With me If you’re making good money but still feel like your finances don’t match the life you’re trying to build, apply for 1:1 coaching with me. 👉 Schedule your coaching consultation

  6. Aug 24

    10. Walk through of my Full Month End close Process

    Send us Fan Mail In this episode Why 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 Money, why I still hand-transfer totals into a spreadsheet, making transfers between my four accounts, and paying my credit card in full every monthThe three questions, one at a time: where did my money go, am I happy with where it went, and where do I want it to go nextScoring my spending 1–10 — and why that number is an evaluation, not a gradeThe $80 tote bag I bought because it sold out, not because I needed itThe $20,000 car I didn't want to buy but absolutely needed to — and why that's not the same thing as a bad decisionWhat Marie Kondo's "does it spark joy" question gets wrong about your budget (hint: the spatula)The one question your whole month-end process is really trying to answerGrab the freebie I built a companion worksheet for this exact process — The New Money Month-End Close. It walks you through all three questions with space to actually write your answers, plus the reminder I want you to read every single month: your spending is data, not a verdict. Download The New Money Month-End Close  Loved this episode? Subscribe to Money with Saprina so you don't miss the next one, and if it hit home, send it to the friend who's been beating herself up over last month's spending. She needs to hear this isn't a verdict either. If you’re making good money but still feel like your finances don’t match the life you’re trying to build, apply for 1:1 coaching with me. 👉 Schedule your coaching consultation

  7. Aug 18

    9. You Know What to Do With Your Money. So Why Aren’t You Doing It?

    Send us Fan Mail You 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 “good with money” happened because I hit my financial rock bottom. But looking back, the crisis wasn’t what changed me. It forced me to make a decision. What changed me was everything I did afterward. Opening my accounts instead of avoiding them. Keeping the spending promises I made to myself. Telling myself the truth when I didn’t. And doing those small things over and over until I had something I’d never had before: proof that I could trust myself with money. In this episode, we talk about: Why knowing what to do and actually doing it are two different skillsHow keeping small promises builds financial self-trustThe difference between saying you’re good with money and becoming someone who isWhy your promises need to survive your worst days, not just your best onesWhat to do when you break a promise to yourselfWhy one mistake doesn’t erase the track record you’re buildingThe takeaway: Self-trust isn’t something you wait to feel. You build it. One kept promise at a time. If you know what to do with your money but you’re struggling to consistently do it, you don’t necessarily need more information. You may need accountability and support while you build a new track record. Ready for support? Book a consultation call to learn more about working with me 1:1. https://calendly.com/hermoneyaudit/coaching-consultation If you’re making good money but still feel like your finances don’t match the life you’re trying to build, apply for 1:1 coaching with me. 👉 Schedule your coaching consultation

  8. Aug 10

    8. 7 Money Mistakes Keeping You Broke

    Send us Fan Mail You 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, and what to do instead. In this episode: (01:00) Confusing income with wealth. Income is what you earn. Wealth is what you keep. Someone making $250K with no savings and a mountain of debt can be less secure than someone making $80K who's been building assets.(01:30) Lifestyle inflation. The raise comes in and instead of buying breathing room, you buy obligations. Enjoy your money — just make sure your lifestyle is funded by your wealth, not your future income.(02:20) Treating debt like it's normal. Affording the payment isn't the same as financial health. Debt isn't good or bad, it's expensive or cheap — and the real question is what it's costing you.(03:00) Having no money system. Discipline is a terrible budgeting tool. Saprina shares why saving "whatever's left at the end of the month" never worked for her either.(03:20) Ignoring your net worth. If income is the only number you track, you're missing the story. How to calculate what you actually own after everything you owe.(04:15) Waiting to feel ready to invest. You won't. Your brain reads unfamiliar as unsafe even when it's good for you — and time is the asset you can't get back.(05:05) Building income without building financial skills. Making more without learning to manage it is filling a bucket with holes in it.The takeaway: If you saw yourself in any of these, your income is the advantage — you're not starting from scratch. You're building the system that turns it into wealth. Next step: If you're tired of wondering where your money went and ready to build a plan for where it should go, book a consultation call — link below. https://bit.ly/45WJmbO Share this with the friend who makes good money and still feels behind. If you’re making good money but still feel like your finances don’t match the life you’re trying to build, apply for 1:1 coaching with me. 👉 Schedule your coaching consultation

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Ratings & Reviews

5
out of 5
3 Ratings

About

Money With Saprina is for high-achieving women who make good money but still feel like they should be further ahead. I’m Saprina Allen, a financial coach, and every week we have honest conversations about what it actually takes to pay off debt, build wealth, and create a financial life that feels like yours. We talk cash flow, spending, debt, investing, financial systems, and the emotional side of money that most personal finance advice skips right over. Because making more money doesn’t automatically make you better at managing it. And being good with money isn’t about restriction, perfection, or never buying the latte. It’s about knowing what you want your money to do, building systems you can trust, and making intentional decisions that support both the life you want now and the future you’re building. No shame. No financial perfection. Just practical strategies, real conversations, and a better way to make your money work for you. www.SaprinaA.com

Information

  • Creator
    Saprina Allen
  • Years Active
    2026
  • Episodes
    15
  • Rating
    Explicit
  • Copyright
    © 2026 Money with Saprina
  • Show Website
    Money with Saprina

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