# 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) --- [ ![](https://sapience.com.au/images/blog/intro-the-predator-upstairs-sapience-financial.webp) ](https://sapience.com.au/blog/the-predator-upstairs "The Predator Upstairs") ## [ The Predator Upstairs ](https://sapience.com.au/blog/the-predator-upstairs) 🛡️ 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'. But Australian society remains strangely blind to the tragedy happening in reverse. When financial coercion flows downward - from established, wealthy, or traditional parents onto their autonomous adult children - we don't name it. - [ 🌍 Social Leadership & Conscious Business ](https://sapience.com.au/insights/social-leadership-conscious-business) [ Read more … ](https://sapience.com.au/blog/the-predator-upstairs) [ ![young man wearing a diabetes glucose body sensor](https://sapience.com.au/images/blog/intro-the-clock-is-ticking-why-your-diagnosis-date-matters-for-type-1-diabetes-and-insurance-sapience-financial.jpg) ](https://sapience.com.au/blog/the-clock-is-ticking-why-your-diagnosis-date-matters-for-type-1-diabetes-and-insurance "The Clock is Ticking: Why Your Diagnosis Date Matters for Type 1 Diabetes and Insurance") ## [ The Clock is Ticking: Why Your Diagnosis Date Matters for Type 1 Diabetes and Insurance ](https://sapience.com.au/blog/the-clock-is-ticking-why-your-diagnosis-date-matters-for-type-1-diabetes-and-insurance) --- ### 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? - [ 🛡️ Specialist Risk & Insurance ](https://sapience.com.au/insights/specialist-risk-insurance) [ Read more … ](https://sapience.com.au/blog/the-clock-is-ticking-why-your-diagnosis-date-matters-for-type-1-diabetes-and-insurance) [ ![sea going vessel roped to the dock straining at the mooring ropes](https://sapience.com.au/images/blog/intro-sailing-through-the-tax-storm-and-the-two-step-sequence-to-upgrade-your-wealth-mindset-sapience-fiancial.jpg) ](https://sapience.com.au/blog/sailing-through-the-property-tax-storm-and-the-two-step-sequence-to-upgrade-your-wealth-mindset "Sailing Through the Property Tax Storm and The Two-Step Sequence to Upgrade Your Wealth Mindset") ## [ Sailing Through the Property Tax Storm and The Two-Step Sequence to Upgrade Your Wealth Mindset ](https://sapience.com.au/blog/sailing-through-the-property-tax-storm-and-the-two-step-sequence-to-upgrade-your-wealth-mindset) --- ### Looking Over the Horizon Doing anything on the cheap has consequences. Especially investment education. You know that. - [ investment property ](https://sapience.com.au/all-tags/investment-property) - [ 🧠 Evolutionary Finance ](https://sapience.com.au/insights/evolutionary-finance) - [ 🏠 Wealth Builders & Home Finance ](https://sapience.com.au/insights/wealth-builders-home-finance) [ Read more … ](https://sapience.com.au/blog/sailing-through-the-property-tax-storm-and-the-two-step-sequence-to-upgrade-your-wealth-mindset) [ ![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. - [ 🤝 Small Business Risk & Partnership ](https://sapience.com.au/insights/small-business-risk-partnership) [ 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. - [ The House of Risk ](https://sapience.com.au/all-tags/the-house-of-risk) [ 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). - [ 🧠 Evolutionary Finance ](https://sapience.com.au/insights/evolutionary-finance) [ Read more … ](https://sapience.com.au/blog/the-certainty-trap-need-for-closure-decisions) 1. [ 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) 2. [ 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) 3. [ The Broken Social Contract](https://sapience.com.au/blog/broken-social-contract-superannuation) 4. [ 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) 5. [ The Predator on The Couch](https://sapience.com.au/blog/the-predator-on-the-couch) 6. [ What is Pre-elder Abuse?](https://sapience.com.au/blog/what-is-pre-elder-abuse) 7. [ 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) ### [ Modern Small Business Leadership](https://sapience.com.au/blog/modern-small-business) Page 1 of 49