Money with Saprina

Επεισόδια

• 
  9. You Know What to Do With Your Money. So Why Aren’t You Doing It? 18.08.2026 8λ

  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 ...
• 
  8. 7 Money Mistakes Keeping You Broke 10.08.2026 6λ

  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 ...
• 
  7. The High Earner Debt Trap: How To Break The Cycle And Build Wealth 05.08.2026 6λ

  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...
• 
  6. How to Know If Your Lifestyle Is Outpacing Your Income 28.07.2026 11λ

  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...
• 
  5. Living Paycheck to Paycheck? Here's the Real Reason (It's Not Your Budget) 21.07.2026 13λ

  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 ...
• 
  4. What If You're Not Bad With Money? 14.07.2026 8λ

  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...
• 
  3. The Financially Secure Framework: The 4 Pillars You Need to Feel in Control of Your Money 07.07.2026 10λ

  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...
• 
  Emergency Fund Essentials for Every Situation 29.06.2026 5λ

  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 ...
• 
  Episode 1: My Money Story (And Why I Built This) 29.06.2026 3λ

  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...