Money with Saprina

Saprina Allen
  • 5.0 (2)
  • Self-Improvement

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. Follow and subscribe so you never miss a drop.

Episodes

  1. 1d ago

    5. How to Know If Your Lifestyle Is Outpacing Your Income

    Getting 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, and are hardest to walk backSubscription blindness, and how an extra $5, $10, and $20 charge quietly becomes an extra $389 a monthThe rideshare test: how to calculate your own lifestyle inflation rate and compare it to your salary growthSaprina's personal rule of thumb for allocating raises and bonuses between savings and lifestyleIf this episode gave you something to think about, share it with someone who needs to hear it. And if you're ready to stop guessing and actually build a system for your money, book a free Coaching Consultation Call Join me on Instagram or TikTok

  2. Jul 21

    5. Living Paycheck to Paycheck? Here's the Real Reason (It's Not Your Budget)

    70% 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 living paycheck to paycheck really means, and why it is not always about poor budgeting. For a lot of people, it is wages not keeping up with the cost of living. For others, it is a cash flow issue with one thing in common: no safety net. Saprina breaks down the exact system for getting out of the cycle, starting with knowing your real numbers, telling the difference between fixed and variable expenses, building a spending plan before payday hits, and starting your emergency fund buffer even if you can only start with $100. What you'll learn: The real definition of living paycheck to paycheck, and the simple stress test to know if it applies to youWhy 1 in 10 people earning over $100,000 a year are still living paycheck to paycheckThe difference between fixed expenses and variable expenses, and the test to tell them apartHow to track your spending even if you have never done it beforeHow to build a spending plan that gives every dollar a job before paydayWhy you should never try to save a full 6 month emergency fund all at onceWhat "the credit card float" is, and the one question that tells you if you're doing itKey moments: What it actually means to live paycheck to paycheckThe stress test: could you cover your bills if your paycheck stopped todayFixed vs variable expenses, and why your nail appointment is not a fixed billHow to track your spending when you have no idea where your money goesBuilding your spending plan and giving every dollar a jobStarting your buffer without needing a full emergency fund on day oneThe credit card float, and how to know if you're doing itReady to stop guessing with your money? Book your free Coaching Consultation Call and let's build a system you can trust. https://calendly.com/hermoneyaudit/coaching-consultation

  3. Jul 15

    4. What If You're Not Bad With Money?

    If 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 generational change makers, especially first-gen, high-earning Black women who have no one in their circle to compare notes with. I share the real story behind my own 28% APR car loan, what actually fixed it (spoiler: it wasn't becoming a "money person"), and why willpower was never the problem in the first place. What You'll Learn Why "I'm bad with money" is an infrastructure gap, not a character flawHow silence and isolation let that story calcify into an identityWhy discipline is a bad system pretending to be motivationWhy "I know what to do, I just don't do it" isn't a discipline problemWhat it looks like to have a plan for every paycheck before it even arrivesReady to Build Your System? If this episode hit close to home, you don't have to keep forcing it through willpower. I built the Her Money Story Accelerator, a 1:1 coaching program, to get you a system you can actually trust, so you always know where you stand. Book your free coaching consultation call Her Money Story is not financial, tax, or legal advice. I am not a licensed financial advisor or CPA.

  4. Jul 7

    3. The Financially Secure Framework: The 4 Pillars You Need to Feel in Control of Your Money

    In 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 — why this might be the most important pillar of all four, and the exact setup that keeps you from quietly raiding itPillar 3: Debt Attack — how to stop the cycle, choose your method (avalanche vs. snowball), and get every payment on autopilotPillar 4: Build Wealth — the pillar where your net worth stops being a number and starts being your futureHow you'll know when you're actually done with each pillar (it's not what you think)If you've got debt, thin savings, or you're just tired of feeling behind when you're clearly not lazy and clearly not broke... this episode is your starting point. Come talk to me about it. DM me on Instagram @itsSaprina. I answer every single one.

  5. Jun 29

    Emergency Fund Essentials for Every Situation

    Most 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 should be sitting right now. I'm also sharing how my emergency fund carried me when I was laid off from my corporate job. No spiral. No panic. Just security I had built on purpose. We cover: — Why the standard "three to six months" advice isn't enough for most people  — How your industry, job stability, and dependents affect your target number  — Why you should NEVER invest your emergency fund  — The one place I always recommend keeping it (and why a little friction is actually a good thing)  — When it makes sense to keep more than six months and what to do with the extra Your emergency fund is not just a savings goal. It is the thing that protects the life you are working so hard to build. This episode will help you figure out exactly what that number looks like for you. Connect with Saprina: Instagram: @ItsSaprina Website: SaprinaDanise.com  Ready to work together?  Book a coaching consultation at calendly.com/hermoneyaudit/coaching-session

  6. Jun 29

    Episode 1: My Money Story (And Why I Built This)

    If 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 bill collectors on the other end of the phone. I knew how to earn money. I never learned how to manage it. And that gap cost me. This episode is about how I closed it — and what it actually took to go from a negative net worth to a positive one in about six years. No inheritance. No windfall. A system that finally fit my life. I'm sharing this because I want you to know exactly who you're learning from before you trust me with your money story. Welcome to Money with Saprina. Connect with Saprina: Instagram: @ItsSaprina Website: SaprinaDanise.com book a coaching consultation at calendly.com/hermoneyaudit/coaching-session

  • 6 Episodes

Ratings & Reviews

5
out of 5
2 Ratings

About

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. Follow and subscribe so you never miss a drop.

Information

  • Creator
    Saprina Allen
  • Years Active
    2026
  • Episodes
    6
  • Rating
    Clean
  • Copyright
    © 2026 Money with Saprina