---
title: "Blogs - Sapience Financial"
description: "Our Financial Blog is for people who want to grow and remain wealthy. While the journey toward wealth is clearly marked, you do have to be looking in the right direction."
url: "https://sapience.com.au/blog"
date: "2026-06-15T08:04:35+00:00"
language: "en-GB"
---

#  Blog

### Welcome to our Personal Finance Blog

![Pic of Senior Advisor Drew Browne](https://sapience.com.au/images/author-pic/ceo-drew-browne-round.png)

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.

[🧠 Evolutionary Finance](https://sapience.com.au/insights/evolutionary-finance) [🌳 Family, Legacy & Aging](https://sapience.com.au/insights/family-legacy-aging) [⚖️ Estate Law & Succession Planning](https://sapience.com.au/insights/estate-law-succession) [🛡️ Specialist Risk & Insurance](https://sapience.com.au/insights/specialist-risk-insurance) [🤝 Small Business Risk & Partnership](https://sapience.com.au/insights/small-business-risk-partnership) [🌍 Social Leadership & Conscious Business](https://sapience.com.au/insights/social-leadership-conscious-business) [🏠 Wealth Builders & Home Finance](https://sapience.com.au/insights/wealth-builders-home-finance) [📰 Sapience General Archive](https://sapience.com.au/insights/sapience-general-archive)

![Not made by AI sapience financial](https://sapience.com.au/images/icons/not-made-by-AI-sapience-financial-black.png)

---

  [ ![offshore virtual assistant looking at laptop](https://sapience.com.au/images/blog/intro-va-please-dont-read-this-blog-sapience-financial.jpg) ](https://sapience.com.au/blog/pascua-outsourcing-risk "The Delusion of Geographic Legal Immunity in Hiring Staff Offshore") ##  [ The Delusion of Geographic Legal Immunity in Hiring Staff Offshore ](https://sapience.com.au/blog/pascua-outsourcing-risk)

---

### 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.

 [ Read more … ](https://sapience.com.au/blog/pascua-outsourcing-risk)

  [ ![High Glam and Kebabs in The Suburbs](https://sapience.com.au/images/rhw/in-the-weeks-to-come-sapience-financial.jpg) ](https://sapience.com.au/blog/spilling-the-tea-on-the-bbq-illusions-ato-nightmares-messy-wills-kitchen-table-lies "Spilling the Tea on the BBQ Illusions: ATO Nightmares, Messy Wills & Kitchen-Table Lies") ##  [ Spilling the Tea on the BBQ Illusions: ATO Nightmares, Messy Wills & Kitchen-Table Lies ](https://sapience.com.au/blog/spilling-the-tea-on-the-bbq-illusions-ato-nightmares-messy-wills-kitchen-table-lies)

---

### The Real Housewives of Small Business: The Unscripted Liabilities Tearing Local Small Business Empires Apart

Behind the gleaming lifestyle assets, the shiny new family SUVs, the custom-wrapped work utes, and the hard-earned business success of Australia’s top suburban business empires (ok we know them as small businesses) lies a brutal reality.

 [ Read more … ](https://sapience.com.au/blog/spilling-the-tea-on-the-bbq-illusions-ato-nightmares-messy-wills-kitchen-table-lies)

  [ ![Creative little girl squeezing paid from a tube that is both black and white](https://sapience.com.au/images/blog/intro-the-certainty-trap-need-for-closure-decisions.jpg) ](https://sapience.com.au/blog/the-certainty-trap-need-for-closure-decisions "The Certainty Trap: How Your Hidden Need for Closure Rushes Your Biggest Decisions") ##  [ The Certainty Trap: How Your Hidden Need for Closure Rushes Your Biggest Decisions ](https://sapience.com.au/blog/the-certainty-trap-need-for-closure-decisions)

---

### Ever felt a physical wave of irritation when a family plan, a professional project, or a health decision remains open-ended for too long?

If any of these scenarios sound familiar, your mind isn't just being impatient - it is experiencing a powerful, built-in psychological survival mechanism known as the **Need for Cognitive Closure**. (And if you're the type of person who loves to have multiple 'web browser tabs' open at the same time - this is for you).

 [ Read more … ](https://sapience.com.au/blog/the-certainty-trap-need-for-closure-decisions)

  [ ![The Financial Sorting Hat (and other generational moneyisms)](https://sapience.com.au/images/blog/intro-the-financial-sorting-hat-sapience-financial.jpg) ](https://sapience.com.au/blog/the-financial-sorting-hat-on-your-shelf-choosing-provision-over-the-house-of-avoidance "The Financial Sorting Hat on Your Shelf: Choosing Provision over the House of Avoidance") ##  [ The Financial Sorting Hat on Your Shelf: Choosing Provision over the House of Avoidance ](https://sapience.com.au/blog/the-financial-sorting-hat-on-your-shelf-choosing-provision-over-the-house-of-avoidance)

---

### Have you ever wondered if you've unexpectedly inherited your attitudes towards Money Matters?

Long before an unexpected crisis forces your hand, your family has likely already been quietly sorted into a *default financial 'house'* that is actively holding you back.

- [ family health & safety ](https://sapience.com.au/all-tags/family-health-safety)
- [ moneyisms ](https://sapience.com.au/all-tags/moneyisms)
- [ 🌳 Family, Legacy & Aging ](https://sapience.com.au/insights/family-legacy-aging)

 [ Read more … ](https://sapience.com.au/blog/the-financial-sorting-hat-on-your-shelf-choosing-provision-over-the-house-of-avoidance)

  [ ![person selecting the unknown Community Chest card in the board game Monopoly ](https://sapience.com.au/images/blog/intro-planning-for-surgery-means-getting-your-estate-plans-in-place-first-sapience-financial.jpg) ](https://sapience.com.au/blog/going-under-the-knife-what-happens-if-youre-out-for-longer-than-expected "Going Under the Knife? What Happens if You're Out for Longer than Expected?") ##  [ Going Under the Knife? What Happens if You're Out for Longer than Expected? ](https://sapience.com.au/blog/going-under-the-knife-what-happens-if-youre-out-for-longer-than-expected)

---

### Planning for surgery means getting your pre-surgery financial resources and estate planning documents in place first - just in case

While your pre-surgery checklist undoubtedly includes fasting and arranging a ride home, the most overlooked and most important jobs may be getting your emergency estate plans in place, just in case.

- [ life insurance ](https://sapience.com.au/life-insurance/life-terminal-illness-insurance)
- [ power of attorney ](https://sapience.com.au/all-tags/power-of-attorney)
- [ modern estate planning ](https://sapience.com.au/all-tags/modern-estate-planning)

 [ Read more … ](https://sapience.com.au/blog/going-under-the-knife-what-happens-if-youre-out-for-longer-than-expected)

  [ ![A closed bridge unsafe to travel on](https://sapience.com.au/images/blog/intro-broken-social-contract-superannuation.webp) ](https://sapience.com.au/blog/broken-social-contract-superannuation "The Broken Social Contract") ##  [ The Broken Social Contract ](https://sapience.com.au/blog/broken-social-contract-superannuation)

---

### The Broken Social Contract that is Superannuation (and Why we built a Bureaucracy Shield)

For decades, the Social Contract of the Australian superannuation system was built on a simple, silent promise: you contribute your earnings while you are well, and the system protects your dignity when you are not. However, for those navigating a terminal diagnosis today, recent evidence suggests this contract is functionally broken.

 [ Read more … ](https://sapience.com.au/blog/broken-social-contract-superannuation)

1. [ Life Insurance, Suicide and VAD: Providing Certainty in Australia’s New Legal Landscape](https://sapience.com.au/blog/life-insurance-suicide-and-vad-providing-certainty-in-australias-new-legal-landscape)
2. [ The Predator on The Couch](https://sapience.com.au/blog/the-predator-on-the-couch)
3. [ What is Pre-elder Abuse?](https://sapience.com.au/blog/what-is-pre-elder-abuse)
4. [ Better than a Tim Tam and Why Aussie TPD and Income Protection are World-Beaters](https://sapience.com.au/blog/better-than-a-tim-tam-and-why-aussie-tpd-and-income-protection-are-world-beaters)
5. [ The Scar Tissue of 'She’ll Be Right' and Why Later is a Biological Lie](https://sapience.com.au/blog/the-scar-tissue-of-shell-be-right-why-later-is-a-biological-lie)
6. [ Starting a Business with another? Here's your Homework](https://sapience.com.au/blog/starting-a-business-with-another-heres-your-homework)
7. [ The 0.08-Second Glitch: Why Your Brain is Faster Than Your Bank Account](https://sapience.com.au/blog/the-0-08-second-glitch-why-your-brain-is-faster-than-your-bank-account)

### [ Modern Small Business Leadership](https://sapience.com.au/blog/modern-small-business)

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