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
How to Reset Your Money Mindset and Get Out of Debt
Send us Fan Mail Getting out of debt isn't just about paying off what you owe. It's about changing how you think about money so you don't keep making the same financial decisions. And listen, I know that firsthand. I've financed a car at 24% interest, put vacations on credit cards, and made plenty of money decisions I wouldn't make today. In this episode, I'm sharing four mindset shifts that helped me change my relationship with money and get out of debt. We're talking about why focusing only...
13 Oct 2026
17. The “I Deserve It” Spending Trap
Send us Fan Mail You 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 from it. We’re getting into emotional spending, the sneaky “I work hard, so I deserve this” loo...
6 Oct 2026
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 ...
29 Sept 2026
16. 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 differen...
22 Sept 2026
14: Making Good Money but Still Feeling Behind?
You can make six figures, have the career, take the vacations, pay your bills and still quietly wonder:
Where is all my money going?
Maybe you thought earning more would finally make you feel financially secure.
But now you’re asking yourself if you should have more saved, whether you’re investing enough, why unexpected expenses still throw you off, or why managing money feels harder than it should at this point in your life.
In this episode of Money with Saprina, I’m talking about why a high income and financial security are not the same thing.
I know this personally.
I was the first person in my family to go to college. I built the corporate career. I became a six-figure earner.
And I still ended up with $36,000 in credit card debt.
What I eventually learned was that earning money and intentionally managing money are two completely different skills.
And a lot of women were taught how to build the career and increase their income without ever being taught what to do once the money started coming in.
In this episode, we talk about how to give your money direction without creating another restrictive budget or depending on yourself to suddenly become more disciplined.
In this episode, you’ll learn:
Why making more money doesn’t automatically create financial security
Why successful women can still feel confused or behind with money
How family responsibilities, guilt, fear and expectations affect your financial decisions
Why shame makes it harder to solve money problems
The three questions I use with my financial coaching clients to create clarity
How to decide what you actually want your money to do
Why your financial goals should reflect the life you’re trying to build
How automation can help you stop relying on discipline and willpower
Why discipline makes a terrible money management system
Your three questions after this episode:
1. Where is my money actually going today?
Not where you think it goes. Not where it should go. What is actually happening?
2. What do I want my money to do for me?
Pay off debt? Build an emergency fund? Invest for retirement? Help your kids? Give you the freedom to leave a job? Let you enjoy your life now?
You get to decide.
3. What can I put on autopilot?
Your financial future shouldn’t depend on whether you feel disciplined on a random Thursday.
Automate the things that matter.
Savings. Investments. Bills. Debt payments. Financial goals.
Build the system so your money keeps moving in the right direction without requiring you to constantly make another decision.
Work With Me
If you’re making good money but still feel like your finances don’t match the income you’ve worked so hard to earn, this is exactly the work I do with my private coaching clients.
Together, we look at where your money is going, decide what you want it to do, and build a personalized financial system that helps you pay off debt, save, invest and enjoy your money without constantly wondering if you’re doing enough.
Connect With Me
Instagram: @ItsSaprina
Email : Hello@SaprinaA.com (mailto:Hello@SaprinaA.com)
Money with Saprina is for women building careers, wealth and lives that look different from the ones they grew up with. We talk about debt, spending, investing, financial systems and the real-life stuff that comes with getting your money together when you’re the first in your family to do it.
15 Sept 2026
13. Value-Based Spending: How to Identify Your Financial Values
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 on...
9 Sept 2026
BONUS Own Your Seat: Six-Week Savings Challenge
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’...
8 Sept 2026
What’s Actually Worth Spending Your Money On?
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 go...
24 Aug 2026
10. Walk through of my Full Month End close Process
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 c...
18 Aug 2026
9. You Know What to Do With Your Money. So Why Aren’t You Doing It?
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 ...
10 Aug 2026
8. 7 Money Mistakes Keeping You Broke
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 ...
5 Aug 2026
7. The High Earner Debt Trap: How To Break The Cycle And Build Wealth
You 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 feeling this far behind? In this episode of Money with Saprina, we get honest about the biggest trap high earners fall into. Th...
28 Jul 2026
6. 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 mon...
21 Jul 2026
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 ...
15 Jul 2026
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 m...
7 Jul 2026
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 itP...
29 Jun 2026
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 ...
29 Jun 2026
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 c...
Reach and audience
Public platform figures. Ratings count people who left a rating, not total listeners.
Apple Podcasts (US)
5.0 / 5
3 ratings
Contact Money with Saprina
Guest appearances
Does not typically book guests
Based on episode analysis; this does not confirm that the show is currently accepting guests.
Pod Engine is an independent podcast discovery and analytics service and is not affiliated with or endorsed by this podcast. Artwork and show content belong to their owners. Full legal notice.
Explore this show Podcast research with Pod Engine
