---
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=132"
date: "2026-06-16T01:28:16+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)

---

  [ ![new father shocked by arrival of newborn twins](https://sapience.com.au/images/blog/intro-trauma-informed-financial-advice-sapience-financial.jpg) ](https://sapience.com.au/start-here/good-mental-health-and-money-matters/trauma-informed-advice "Trauma Informed Financial Advice") ##  [ Trauma Informed Financial Advice ](https://sapience.com.au/start-here/good-mental-health-and-money-matters/trauma-informed-advice)

### What is Trauma-Informed Financial Advice?

Sapience Financial recognises while everyone is 'going through something,' some people are going through so much more.

Trauma affects people differently and trauma-informed organisations are those who redesign their process and approach to serving their customers and supporting their team, so as to reduce and minimise the risk of re-traumatising a person by unnecessary and ill-considered business practices and customer and team interactions.

> Nobody understands the impact of trauma, stigma or discrimination better than the person experiencing it.

- [ trauma informed advice ](https://sapience.com.au/all-tags/trauma-informed-advice)
- [ defactos ](https://sapience.com.au/all-tags/defactos)
- [ financial advice ](https://sapience.com.au/all-tags/financial-advice)
- [ 🛡️ Specialist Risk & Insurance ](https://sapience.com.au/insights/specialist-risk-insurance)

 [ Read more … ](https://sapience.com.au/start-here/good-mental-health-and-money-matters/trauma-informed-advice)

  [ ![teenager and dog playing](https://sapience.com.au/images/blog/intro-do-you-still-have-adult-children-living-at-home-sapience-financial.jpg) ](https://sapience.com.au/blog/do-you-still-have-adult-children-living-at-home "Do you still have Adult Children living at home?") ##  [ Do you still have Adult Children living at home? ](https://sapience.com.au/blog/do-you-still-have-adult-children-living-at-home)

---

### Do you still have Adult Children living at home?

It might be cultural, it might be essential, but it shouldn't put your ability to retire at risk.

If you have Adult Children still living at home with you while you’re getting ready to retire, have you ever thought about how much money that costs and the effect it will have on your retirement savings?

- [ money advice for the kids ](https://sapience.com.au/all-tags/money-advice-for-the-kids)
- [ money habits ](https://sapience.com.au/all-tags/money-habits)
- [ ⚖️ Estate Law & Succession Planning ](https://sapience.com.au/insights/estate-law-succession)

 [ Read more … ](https://sapience.com.au/blog/do-you-still-have-adult-children-living-at-home)

  [ ![father and beautiful daughter](https://sapience.com.au/images/blog/intro-supporting-the-siblings-of-people-living-with-a-disability-or-chronic-health-condition-sapience-financial.jpg) ](https://sapience.com.au/blog/supporting-the-siblings-of-people-living-with-a-disability-or-chronic-health-condition "Supporting the siblings of people living with a disability or chronic health condition") ##  [ Supporting the siblings of people living with a disability or chronic health condition ](https://sapience.com.au/blog/supporting-the-siblings-of-people-living-with-a-disability-or-chronic-health-condition)

---

### Supporting the siblings of people living with a disability or chronic health condition

### Today there are 2.1 million Australians of working age (15 – 64 years) who are living with a chronic illness or have a disability; from mild to profound.

So it's fair to assume there are also a lot of siblings of those same people living with a disability or chronic illness.

- We often forget that for every person with a disability, **there’s probably a sibling or extended family member helping support them** or who act as the financial backup for that person too.
- [ income protection ](https://sapience.com.au/all-tags/income-protection)
- [ things parents think about ](https://sapience.com.au/all-tags/things-parents-think-about)
- [ special needs ](https://sapience.com.au/all-tags/special-needs)
- [ binding nominations ](https://sapience.com.au/all-tags/binding-nominations)
- [ additional needs ](https://sapience.com.au/all-tags/additional-needs)
- [ 🌳 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)

 [ Read more … ](https://sapience.com.au/blog/supporting-the-siblings-of-people-living-with-a-disability-or-chronic-health-condition)

  [ ![business owner looking at wall of numbers and charts](https://sapience.com.au/images/blog/intro-business-owners-and-partners-have-increased-risks-of-needing-to-claim-on-a-personal-insurance-policy-sapience-financial.jpg) ](https://sapience.com.au/partnership-risks "Business Owners & Partners increased risks of needing to claim on a personal insurance policy") ##  [ Business Owners & Partners increased risks of needing to claim on a personal insurance policy ](https://sapience.com.au/partnership-risks)

---

### We all have to face the statistical realities of life. But did you know there are statistical realities for business too?

### The problem for business owners and professional partnerships is the concentration of people increases the risks they face and this needs to be managed.

- There are some statistics in life that you simply need to know so you can make better choices.

Most people wouldn't dream of traveling overseas without Travel Insurance to protect their luggage and their health. Nobody wants to be stranded overseas with no luggage or worse, in a foreign hospital hoping the local doctors have the right skills and medication (and sanitation standards) that are not going to put you at greater risk.

- [ small business ](https://sapience.com.au/all-tags/small-business)
- [ the numbers of life ](https://sapience.com.au/all-tags/the-numbers-of-life)
- [ business partnerships ](https://sapience.com.au/all-tags/business-partnerships)
- [ the numbers of business ](https://sapience.com.au/all-tags/the-numbers-of-business)
- [ 🛡️ Specialist Risk & Insurance ](https://sapience.com.au/insights/specialist-risk-insurance)
- [ 🤝 Small Business Risk & Partnership ](https://sapience.com.au/insights/small-business-risk-partnership)

 [ Read more … ](https://sapience.com.au/partnership-risks)

  [ ![Scissors ](https://sapience.com.au/images/blog/intro-not-running-with-scissors-and-credit-cards-sapience-financial.jpg) ](https://sapience.com.au/blog/not-running-with-scissors-and-credit-cards "Not running with Scissors and Credit Cards") ##  [ Not running with Scissors and Credit Cards ](https://sapience.com.au/blog/not-running-with-scissors-and-credit-cards)

---

### Not running with Scissors and Credit Cards

### As a kid, I clearly remember the repeated warning about the dangers of running with scissors.

What I didn't hear was the dangers of running off with a credit card, and I wonder which one has caused me more damage in my life so far?

Can you relate?

- [ money habits ](https://sapience.com.au/all-tags/money-habits)
- [ credit cards ](https://sapience.com.au/all-tags/credit-cards)
- [ compound interest ](https://sapience.com.au/all-tags/compound-interest)
- [ 🏠 Wealth Builders & Home Finance ](https://sapience.com.au/insights/wealth-builders-home-finance)

 [ Read more … ](https://sapience.com.au/blog/not-running-with-scissors-and-credit-cards)

  [ ![elderly man sitting on park bench with daughter](https://sapience.com.au/images/blog/intro-help-my-ageing-parents-have-no-retirement-savings-sapience-financial.jpg) ](https://sapience.com.au/blog/help-my-ageing-parents-have-no-retirement-savings "Help! My ageing parents have no retirement savings") ##  [ Help! My ageing parents have no retirement savings ](https://sapience.com.au/blog/help-my-ageing-parents-have-no-retirement-savings)

---

### Are you feeling sandwiched between looking after your adult children and elderly parents?

Maybe you find yourself **facing financial demands** from both your own young family and your older family? You're not alone.

Welcome to the life of the Sandwiched Generation.

- [ downsizer contributions ](https://sapience.com.au/all-tags/downsizer-contributions)
- [ pensions ](https://sapience.com.au/all-tags/pensions)
- [ supporting elderly parents ](https://sapience.com.au/all-tags/supporting-elderly-parents)
- [ shared ownership of assets ](https://sapience.com.au/all-tags/shared-ownership-of-assets)
- [ 🌳 Family, Legacy & Aging ](https://sapience.com.au/insights/family-legacy-aging)

 [ Read more … ](https://sapience.com.au/blog/help-my-ageing-parents-have-no-retirement-savings)

1. [ Confessions of a 13 year old loan shark](https://sapience.com.au/blog/confessions-of-a-13-year-old-loan-shark)
2. [ How we think about our money dictates many of our responses to it](https://sapience.com.au/blog/how-we-think-about-our-money-dictates-so-many-of-our-responses-to-it)
3. [ Master the dark arts of using an Offset Account to reduce your mortgage](https://sapience.com.au/blog/master-the-dark-arts-of-using-an-offset-account-to-reduce-your-mortgage)
4. [ Do you get paid Super on your overtime?](https://sapience.com.au/blog/do-you-get-paid-super-on-your-overtime)
5. [ Is defacto inheritance tax hiding in your Super payout?](https://sapience.com.au/blog/defacto-inheritance-tax-hiding-in-your-super-payout)
6. [ What does a Comfortable Retirement actually cost?](https://sapience.com.au/blog/what-does-a-comfortable-retirement-actually-cost)
7. [ When can you get money out of Super early on compassionate grounds?](https://sapience.com.au/blog/when-can-you-get-money-out-of-super-early-on-compassionate-grounds)

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

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