The Woman Behind The Wallet with Prea Epps

Sometimes the strategy is not just financial, sometimes it's spiritual. You have to have faith, but you also have to do the work." — Prea Epps

Student loans followed me for decades. I put myself through Drexel alone, watched a $16,000 private loan balloon to over $33,000, filed Chapter 13 bankruptcy just to finish her last class, and came out the other side still owing $70,000 in federal loans. Then the COVID payment pause changed everything.

In this episode, Prea walks through exactly what she did: how she paid $17,000 toward her federal loans at 0% interest, why she strategically stopped paying extra once forgiveness came into view, and how she redirected that money into more than $30,000 in reserves. She shares the moment $55,000 in loans was forgiven, why she doesn't follow the "debt first, savings later" approach, and the tools every borrower should know, from deferments and settlements to statutes of limitations and why you should never co-sign.

Work with Prea: Carrying debt that feels impossible? Apply for a Breakthrough Session

https://freedom.reframedfinancialcoaching.com/application

Connect with Prea Facebook: Prea Epps LinkedIn: Prea Epps

Sometimes the strategy is not just financial, sometimes it's spiritual. You have to have faith, but you also have to do the work." — Prea Epps

Student loans followed me for decades. I put myself through Drexel alone, watched a $16,000 private loan balloon to over $33,000, filed Chapter 13 bankruptcy just to finish her last class, and came out the other side still owing $70,000 in federal loans. Then the COVID payment pause changed everything.

In this episode, Prea walks through exactly what she did: how she paid $17,000 toward her federal loans at 0% interest, why she strategically stopped paying extra once forgiveness came into view, and how she redirected that money into more than $30,000 in reserves. She shares the moment $55,000 in loans was forgiven, why she doesn't follow the "debt first, savings later" approach, and the tools every borrower should know, from deferments and settlements to statutes of limitations and why you should never co-sign.

Work with Prea: Carrying debt that feels impossible? Apply for a Breakthrough Session

https://freedom.reframedfinancialcoaching.com/application

Connect with Prea Facebook: Prea Epps LinkedIn: Prea Epps

"Your income is evidence that you can build something extraordinary." — Prea Epps

You're making good money, but behind the scenes you're juggling payments and wondering why you still feel broke. Every raise seems to come with more expenses, and being everyone else's safety net leaves little room for your own.

In this episode I break down how lifestyle creep, the pressure to look successful, being cash poor, and the money patterns you grew up with can keep you financially stretched. We're looking beneath the salary to understand what needs to change, and I'm sharing three steps to help you actually start keeping the money you earn.

Work with Prea Ready to break the pattern and build a plan that fits your life? Apply for your Breakthrough Session at https://freedom.reframedfinancialcoaching.com/application

Connect with Prea Facebook: Prea Epps LinkedIn: Prea Epps

"Your income is evidence that you can build something extraordinary." — Prea Epps

You're making good money, but behind the scenes you're juggling payments and wondering why you still feel broke. Every raise seems to come with more expenses, and being everyone else's safety net leaves little room for your own.

In this episode I break down how lifestyle creep, the pressure to look successful, being cash poor, and the money patterns you grew up with can keep you financially stretched. We're looking beneath the salary to understand what needs to change, and I'm sharing three steps to help you actually start keeping the money you earn.

Work with Prea Ready to break the pattern and build a plan that fits your life? Apply for your Breakthrough Session at https://freedom.reframedfinancialcoaching.com/application

Connect with Prea Facebook: Prea Epps LinkedIn: Prea Epps

"The woman who understands why she spends is the woman who finally has the power to spend differently." — Prea Epps

Most of us don't think we have an emotional spending problem. We think it's a budgeting issue.

In this episode Prea gets honest about her own spending seasons, breaks down what emotional spending actually looks like beneath the surface, and walks through exactly what to do when the pattern shows up again.

Work with Prea

If today's episode felt like it was written about you, apply for a breakthrough session. We'll talk about where you are, what's been getting in the way, and whether coaching is the right next step. https://freedom.reframedfinancialcoaching.com/application

Connect with Prea

Facebook: Prea Epps LinkedIn: Prea Epps

"The woman who understands why she spends is the woman who finally has the power to spend differently." — Prea Epps

Most of us don't think we have an emotional spending problem. We think it's a budgeting issue.

In this episode Prea gets honest about her own spending seasons, breaks down what emotional spending actually looks like beneath the surface, and walks through exactly what to do when the pattern shows up again.

Work with Prea

If today's episode felt like it was written about you, apply for a breakthrough session. We'll talk about where you are, what's been getting in the way, and whether coaching is the right next step. https://freedom.reframedfinancialcoaching.com/application

Connect with Prea

Facebook: Prea Epps LinkedIn: Prea Epps

"You deserve every good thing in your life. And I really think that's where most of our problem lies. We don't believe that we deserve the good life." — Pastor DeLisa Lewis

For so many women of faith there is a deeply complicated relationship between spirituality and money. Messages like money is the root of all evil or be content with what you have can quietly wire us for scarcity without us even realizing it.

In this episode Prea sits down with Pastor DeLisa Lewis for an honest, bold, and deeply personal conversation about what faith actually teaches about money and why building wealth with integrity is not in conflict with your faith. It is an expression of it.

About Pastor DeLisa Lewis

Pastor DeLisa Lewis serves as Executive Pastor at Transformation Christian Worship Center and is a Certified Christian Counselor. She leads powerful women's initiatives including W.A.R. (Women Anointed and Restored) and I Am Built For This, helping women step boldly into their purpose. She also co-founded Marriages That Win and Wives That Win, supporting families and women to live fully empowered lives. Pastor DeLisa is known for her boldness, authenticity, and heart for transformation.

Find Pastor DeLisa Lewis

Website: www.delisalewisministries.com Ministry: www.transformbyfaith.live

Work with Prea

Ready to examine your money beliefs and build something new? Apply for your breakthrough session at https://freedom.reframedfinancialcoaching.com/application

Connect with Prea

Facebook: Prea Epps LinkedIn: Prea Epps

"You deserve every good thing in your life. And I really think that's where most of our problem lies. We don't believe that we deserve the good life." — Pastor DeLisa Lewis

For so many women of faith there is a deeply complicated relationship between spirituality and money. Messages like money is the root of all evil or be content with what you have can quietly wire us for scarcity without us even realizing it.

In this episode Prea sits down with Pastor DeLisa Lewis for an honest, bold, and deeply personal conversation about what faith actually teaches about money and why building wealth with integrity is not in conflict with your faith. It is an expression of it.

About Pastor DeLisa Lewis

Pastor DeLisa Lewis serves as Executive Pastor at Transformation Christian Worship Center and is a Certified Christian Counselor. She leads powerful women's initiatives including W.A.R. (Women Anointed and Restored) and I Am Built For This, helping women step boldly into their purpose. She also co-founded Marriages That Win and Wives That Win, supporting families and women to live fully empowered lives. Pastor DeLisa is known for her boldness, authenticity, and heart for transformation.

Find Pastor DeLisa Lewis

Website: www.delisalewisministries.com Ministry: www.transformbyfaith.live

Work with Prea

Ready to examine your money beliefs and build something new? Apply for your breakthrough session at https://freedom.reframedfinancialcoaching.com/application

Connect with Prea

Facebook: Prea Epps LinkedIn: Prea Epps

"The women who succeed aren't the ones who never have challenges. They're the ones who recover quickly." — Prea Epps

You've made a budget before. You sat down pen and paper, Excel, Google Doc and then life happened. Instead of adjusting you abandoned the whole thing and told yourself budgeting just doesn't work for you.

In this episode I break down why budgeting don't stick, reframe the entire concept of budgeting, and show you how to build a plan that actually fits your life.

Work with Prea

Ready to stop chasing a number and start building a feeling? Book your Breakthrough Session at https://calendly.com/prea-epps/freedom-through-finance

Connect with Prea

Facebook: Prea Epps LinkedIn: Prea Epps

Enjoyed this episode?

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"The women who succeed aren't the ones who never have challenges. They're the ones who recover quickly." — Prea Epps

You've made a budget before. You sat down pen and paper, Excel, Google Doc and then life happened. Instead of adjusting you abandoned the whole thing and told yourself budgeting just doesn't work for you.

In this episode I break down why budgeting don't stick, reframe the entire concept of budgeting, and show you how to build a plan that actually fits your life.

Work with Prea

Ready to stop chasing a number and start building a feeling? Book your Breakthrough Session at https://calendly.com/prea-epps/freedom-through-finance

Connect with Prea

Facebook: Prea Epps LinkedIn: Prea Epps

Enjoyed this episode?

Leave a review