---
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?start=114"
date: "2026-06-15T23:26:45+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)

---

  [ ![a concerned mother watching her adult children constantly argue with each other](https://sapience.com.au/images/blog/intro-how-to-leave-an-inheritance-to-your-grandchildren-but-not-your-adult-children-sapience-financial.jpg) ](https://sapience.com.au/blog/how-to-leave-an-inheritance-to-your-grandchildren-but-not-your-adult-children "How to leave an inheritance to your Grandchildren, but not your adult children") ##  [ How to leave an inheritance to your Grandchildren, but not your adult children ](https://sapience.com.au/blog/how-to-leave-an-inheritance-to-your-grandchildren-but-not-your-adult-children)

---

### How to leave an inheritance to your Grandchildren, but not your Adult Children?

### The reasons why you may wish to leave an inheritance directly to a grandchild and not your adult children are as wide and varied as the motivation to do so.

Just leaving money via your Will for a grandchild to be held in trust until they reach 21 is fraught with risks; from a challenge to your Will to concerns about the effects of addiction, divorce, and financial mismanagement.

- [ nominated benificiary ](https://sapience.com.au/beneficiary)
- [ inheritance ](https://sapience.com.au/all-tags/inheritance)
- [ saving and investing ](https://sapience.com.au/all-tags/saving-and-investing)
- [ insurance bonds ](https://sapience.com.au/all-tags/insurance-bonds)
- [ 🌳 Family, Legacy & Aging ](https://sapience.com.au/insights/family-legacy-aging)
- [ ⚖️ Estate Law & Succession Planning ](https://sapience.com.au/insights/estate-law-succession)

 [ Read more … ](https://sapience.com.au/blog/how-to-leave-an-inheritance-to-your-grandchildren-but-not-your-adult-children)

  [ ![middle aged husband and wife sitting in front step of their home](https://sapience.com.au/images/intro-are-you-remarried-with-adult-children-from-a-past-relationship-sapience-financial.jpg) ](https://sapience.com.au/blog/are-you-remarried-with-adult-children-from-a-past-relationship "Are you remarried with adult children from a past relationship?") ##  [ Are you remarried with adult children from a past relationship? ](https://sapience.com.au/blog/are-you-remarried-with-adult-children-from-a-past-relationship)

---

### Are you part of the 30% of Australians who have remarried and now have adult children from a past relationship?

### It's a common fact of modern life, people live longer and have more relationships. It's not uncommon for many parents today to be part of a blended family and to each have older (and often soon-to-be adult) children from a former relationship.

And when it comes to making a Will, how can you be sure you're kids are not cut out of their inheritance by your new partner?

Here's a strategy that might be worth learning more about.

- [ inheritance ](https://sapience.com.au/all-tags/inheritance)
- [ contractual will agreement ](https://sapience.com.au/all-tags/contractual-will-agreement)
- [ defactos ](https://sapience.com.au/all-tags/defactos)
- [ 🌳 Family, Legacy & Aging ](https://sapience.com.au/insights/family-legacy-aging)
- [ ⚖️ Estate Law & Succession Planning ](https://sapience.com.au/insights/estate-law-succession)

 [ Read more … ](https://sapience.com.au/blog/are-you-remarried-with-adult-children-from-a-past-relationship)

  [ ![dog holding ball that young girl wants](https://sapience.com.au/images/blog/intro-what-you-cant-give-away-in-your-will-and-why-sapience-financial.jpg) ](https://sapience.com.au/blog/what-you-cant-give-away-in-your-will-and-why "What you can't give away in your Will and why?") ##  [ What you can't give away in your Will and why? ](https://sapience.com.au/blog/what-you-cant-give-away-in-your-will-and-why)

---

### What you can't give away in your Will and why?

### To give something away, you need to legally own it first.

You'd think this would be kind of straightforward, well think again.

Now I'm not talking about the neighbour's cat who has lived with you as your adopted fur-child for the past two years or the trailer your adult son still parks at your home for temporary safekeeping, 5 years ago.

I'm talking about bigger value items we sometimes own with others and often believe we can simply give them away in our Will. (And if you don't have a Will we'd love to help you out with that too.)

A problem arises when we *share ownership* of assets with another party.

- [ super ](https://sapience.com.au/all-tags/super)
- [ nominated benificiary ](https://sapience.com.au/beneficiary)
- [ life insurance benificiaries ](https://sapience.com.au/all-tags/life-insurance-benificiaries)
- [ 🌳 Family, Legacy & Aging ](https://sapience.com.au/insights/family-legacy-aging)

 [ Read more … ](https://sapience.com.au/blog/what-you-cant-give-away-in-your-will-and-why)

  [ ![aircraft hostess demonstrating safety procedure](https://sapience.com.au/images/blog/intro-how-to-start-the-talk-about-money-with-your-parents-without-being-a-jerk-sapience-financial.jpg) ](https://sapience.com.au/blog/how-to-start-the-talk-about-money-with-your-parents-without-being-a-jerk "How to start the talk about money with your parents without being a jerk") ##  [ How to start the talk about money with your parents without being a jerk ](https://sapience.com.au/blog/how-to-start-the-talk-about-money-with-your-parents-without-being-a-jerk)

---

### Most Australians report preferring to talk to their parents about sex, rather than money

### When it comes to the reality of talking with our parents about money and aging, there is never really a right time. But there is probably a better time - and this is what you can do about that.

If you're part of the[ Sandwich Generation](https://sapience.com.au/index.php?option=com_content&view=article&id=264:do-you-still-have-adult-children-living-at-home&catid=83:blog&Itemid=734), there's a good chance you’ll become part of the growing number of adult children who will have to get involved with their parents' financial lives as they age.

- [ money advice for the kids ](https://sapience.com.au/all-tags/money-advice-for-the-kids)
- [ power of attorney ](https://sapience.com.au/all-tags/power-of-attorney)
- [ co-parenting ](https://sapience.com.au/all-tags/co-parenting)
- [ 🌳 Family, Legacy & Aging ](https://sapience.com.au/insights/family-legacy-aging)
- [ 🏠 Wealth Builders & Home Finance ](https://sapience.com.au/insights/wealth-builders-home-finance)

 [ Read more … ](https://sapience.com.au/blog/how-to-start-the-talk-about-money-with-your-parents-without-being-a-jerk)

  [ ![two grandchildren sitting with grandmother on sofa](https://sapience.com.au/images/blog/intro-what-is-an-account-based-pension-and-why-should-i-care-sapience-financial.jpg) ](https://sapience.com.au/blog/what-is-an-account-based-pension-and-why-should-i-care "What is an account based pension and why should I care?") ##  [ What is an account based pension and why should I care? ](https://sapience.com.au/blog/what-is-an-account-based-pension-and-why-should-i-care)

---

### One day you’ll be ready to retire (whatever that may look like)

### The idea is then you can slow down (or stop) working and spend more time doing the things you enjoy. But what are your options when it comes time to access your super?

How will you be using your superannuation balance? Lump-sum or regular income stream - or a combination of both?

Until then, many of us are also taking an active interest in our elderly parent's financial position in their retirement. Many of us are either the paperwork or financial backup, so it pays to have an idea of what they’re working with too.

- [ pensions ](https://sapience.com.au/all-tags/pensions)
- [ supporting elderly parents ](https://sapience.com.au/all-tags/supporting-elderly-parents)
- [ 🌳 Family, Legacy & Aging ](https://sapience.com.au/insights/family-legacy-aging)
- [ 🏠 Wealth Builders & Home Finance ](https://sapience.com.au/insights/wealth-builders-home-finance)

 [ Read more … ](https://sapience.com.au/blog/what-is-an-account-based-pension-and-why-should-i-care)

  [ ![four friends on rollover coaster taking selfie](https://sapience.com.au/images/blog/intro-investing-and-self-control-in-uncertain-times-sapience-financial.jpg) ](https://sapience.com.au/blog/investing-and-self-control-in-uncertain-times "Investing and self control in uncertain times") ##  [ Investing and self control in uncertain times ](https://sapience.com.au/blog/investing-and-self-control-in-uncertain-times)

---

### Investing in turbulent times seems to be a constant feature of investing - and perhaps this is part of the new normal

The last few months have proven a tough time for many investors and super fund members as share market volatility continues to wreak havoc on the expected performance of many investment portfolios.

In light of this, we thought it a helpful idea to take a look at **four behavioural mindsets that can paralyse investor's thinking** when they need to be the most level-headed.

- [ investing ](https://sapience.com.au/all-tags/investing)
- [ money habits ](https://sapience.com.au/all-tags/money-habits)
- [ saving and investing ](https://sapience.com.au/all-tags/saving-and-investing)
- [ 🏠 Wealth Builders & Home Finance ](https://sapience.com.au/insights/wealth-builders-home-finance)

 [ Read more … ](https://sapience.com.au/blog/investing-and-self-control-in-uncertain-times)

1. [ Understand Risks and Responsibilities of Small Business Owner Directors](https://sapience.com.au/blog/understand-risks-and-responsibilities-of-small-business-owners-and-directors)
2. [ Its enough to make you want to wash your mind out](https://sapience.com.au/blog/its-enough-to-make-you-want-to-wash-your-mind-out)
3. [ The changing face of work and how it will affect us all](https://sapience.com.au/blog/the-changing-face-of-work-and-how-it-will-affect-us-all)
4. [ Growing a side business while working a full time job?](https://sapience.com.au/blog/growing-a-side-business-while-working-a-full-time-job)
5. [ Are you feeling like your life and business have been Kidnapped by the Covid-19 Virus?](https://sapience.com.au/blog/feeling-like-your-life-and-business-have-been-kidnapped-by-the-covid-19-virus)
6. [ Under 25 and have less than $6,000 in your super?](https://sapience.com.au/blog/under-25-and-have-less-than-6000-in-your-super)
7. [ Friends, Flatmates or Defactos and how to tell them apart](https://sapience.com.au/blog/friends-flatmates-or-de-factos-and-how-to-tell-them-apart)

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

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