Blog
Welcome to our Personal Finance Blog
Money bewilders most of us. How to spend it, save it, invest it, and how to best protect the person who makes it.
These questions we all face daily — a puzzle we all attempt to understand and solve just about every day. Yet despite money's centrality to our lives and businesses, it's something we all grapple with, and mostly in private.
- Money is the 'Lord Voldemort' of topics — feared by most and mentioned by a few. It's oddly uncomfortable to discuss socially and rarely even with our partners, parents, and children.
Perhaps that's because managing our money and life's risks inevitably involves the fusion of both the emotional and practical aspects of our decision-making processes. The most difficult of questions are those with both economic and emotional answers.
At Sapience, we're all about The How.
Our educational Personal Finance Blog is for people who want to grow and remain wealthy. And while the journey toward wealth is clearly marked, you still have to be looking in the right direction.
Explore Our Blog by Speciality
Select a speciality below to view our curated specialist insights and practical strategies.
The Leaky Bucket of Good Intentions and Why 35% of Charitable Bequests Disappear (and How to Protect Yours)
Leaving a gift in your Will is one of the most quiet, profound acts of generosity you can make. It is a final statement of your values, ensuring that the causes you cared about during your lifetime continue to thrive long after you are gone. So why do over 35% of them go missing?
🛡️ READER DISCRETION ADVISED: ADULT CONCEPTS & MODERN SERVITUDE DISCUSSED
The following analysis deals with advanced legal, corporate, and relational mechanics - specifically the invisible frameworks of modern financial servitude, administrative identity locks, and domestic coercion operating inside both affluent and traditional Australian households. This briefing contains serious subject matter written for mature readers. It is shared unvarnished, as an exercise in institutional candor and client protection.
Collectivist Coercion, Individual Sovereignty, and the Hidden Captivity of Adult Children
In a culture consumed by visible status, the most complete forms of domestic captivity rarely look like oppression; they can also look like devotion.
🛡️ READER DISCRETION ADVISED: ADULT CONCEPTS & MODERN SERVITUDE DISCUSSED
The following analysis deals with advanced legal, corporate, and relational mechanics - specifically the invisible frameworks of modern financial servitude, administrative identity locks, and domestic coercion operating inside both affluent and traditional Australian households. This briefing contains serious subject matter written for mature readers. It is shared unvarnished, as an exercise in institutional candor and client protection.
We all know the word for the tragedy when it happens to our elders. We call it elder abuse - a staggering reality affecting one in six older Australians, where in two-thirds of cases, the perpetrator is a family member. We named that perpetrator 'The Predator on the Couch'.
Here's why applying for personal insurance cover early, is one of the most important financial decisions you can make.
But the question is … just how early is early enough and why?
Looking Over the Horizon
Doing anything on the cheap has consequences. Especially investment education. You know that.
This is the blog post you don't want your Offshore VA to read
In the world of Australian small business, over the last 10 years you'd have to be hiding under a rock not to have heard someone talking about the advantages of employing an offshore virtual assistant, for less than a cup of coffee a day, and how this highly qualified person can take over many of your day to day business admin tasks.
- Spilling the Tea on the BBQ Illusions: ATO Nightmares, Messy Wills & Kitchen-Table Lies
- The Certainty Trap: How Your Hidden Need for Closure Rushes Your Biggest Decisions
- The Financial Sorting Hat on Your Shelf: Choosing Provision over the House of Avoidance
- Going Under the Knife? What Happens if You're Out for Longer than Expected?
- The Broken Social Contract
- Life Insurance, Suicide and VAD: Providing Certainty in Australia’s New Legal Landscape
- The Predator on The Couch
