Money with Saprina

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 ...

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 thing
• The three real causes of lifestyle creep: "I deserve it" thinking, social comparison, and spending on autopilot
• Why housing and transportation are the two areas of your budget that spiral fastest, and are hardest to walk back
• Subscription blindness, and how an e...

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 ...

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 ...

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 rate
• The real number I started with. Not the $36K everyone thinks. The real one was closer to $80K
• Pillar 2: Emergency Fund — why this might be the most important pi...

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 emerge...

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 h...