12 Days of Christmas and the occasional New Year's Resolution - Bah humbug! Did you know the 12 Days of Christmas tradition, actually doesn’t start before Christmas Day (regardless of what the retailers would like us to believe) but actually begins post-Christmas?
So why do we need to be continually upgrading our financial literacy? Because there's increasing numbers of financial decisions needing to be made throughout our retirement,  we all need to get used to making better financial decisions now.
The arrival of a new child, either by birth, adoption or some other happy moment brings life-changing times to someone's life. Baby proofing a home can feel like a never-ending job constantly scanning the horizon looking for risks to manage. From putting soft pads on hard corners of tables, using soft door guards to keep little fingers from getting caught and moving everything below waist height that's bright, shiny and…
When can you make a contribution to your spouses super fund and claim a tax credit yourself? If your spouse (wife, husband, de facto or same-sex partner) is a stay at home parent, is a low-income earner, or not working at the moment, chances are they’re not increasing their super and might have little or no super to fund their retirement. The good news is if you want to help…
Feeling guilty about deciding between paying down your mortgage or topping up your super? After all putting extra money into your mortgage means you can pay off your debt quicker and save interest, but putting extra money into super builds your retirement nest egg. Sounds like an impossible choice?
The hidden victims of our road toll We all read about the terrible road tolls that affect our modern life. Every day the same stark reality of yet another death on the roads tempts us to look away, forcing advertising agencies to use increasingly violent images to get our attention. But today with modern technologies and advances in trauma medicine, more people now survive car accidents. The cost of surviving can…
The Cinderella like tale of Munro v Munro and how a simple preventable mistake, broke the hearts of his two daughters To really understand this real-life story, to need to understand two simple legal facts about self-managed super funds: The trustee of an SMSF has discretion who to give the balance of your SMSF account to when you pass away. To remove this discretion and ‘bind the decision of the…
Who's your super beneficiary? With superannuation now becoming a compulsory part of life, many people soon have significant amounts in their super growing at 9.5% per year - the minimum compulsory amount all employers are required to withhold from your income and deposit into your super account, for your retirement. In reality, if you passed away today, the value of your super account could be significantly higher because of a…
Are you still living up to your parent's expectations towards your own money? Below are four questions we ask our clients to help them consider could their adult relationship with money today, be unconsciously influenced by their parent's money attitudes from childhood?
How do you feel about having money? It's not something many people stop and consider—but there’s definitely patterns connected with personal poverty and financial chaos.

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Drew Browne

Sapience Founder & Director.
Simplifying Financial Complexity

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