---
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=156"
date: "2026-06-16T02:03:50+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)

---

  [ ![statue from Paris of head and hands held in his palm](https://sapience.com.au/images/blog/intro-frankly-im-embarrised-sapience-financial.jpg) ](https://sapience.com.au/blog/frankly-im-embarrassed "Frankly I'm embarrassed about the Banks") ##  [ Frankly I'm embarrassed about the Banks ](https://sapience.com.au/blog/frankly-im-embarrassed)

A *personal note from Drew Browne, Founder of Sapience Financial.*

## Well, this is embarrassing

### Let's talk about the elephant in the room — the soon to be released Banking Royal Commission report.

Frankly, I'm embarrassed by much of the reported behaviours of big financial services.

- [ leadership ](https://sapience.com.au/all-tags/leadership)
- [ say it like it is ](https://sapience.com.au/all-tags/say-it-like-it-is)
- [ ethics ](https://sapience.com.au/all-tags/ethics)
- [ 🏠 Wealth Builders & Home Finance ](https://sapience.com.au/insights/wealth-builders-home-finance)
- [ 📰 Sapience General Archive ](https://sapience.com.au/insights/sapience-general-archive)

 [ Read more … ](https://sapience.com.au/blog/frankly-im-embarrassed)

  [ ![father holding sparkler and his young daughter](https://sapience.com.au/images/intro-how-to-nominate-who-gets-your-insurance-and-super-payout-sapience-financial.jpg) ](https://sapience.com.au/blog/how-to-nominate-who-gets-your-insurance-and-super-payout "How to nominate who gets your insurance and super payout") ##  [ How to nominate who gets your insurance and super payout ](https://sapience.com.au/blog/how-to-nominate-who-gets-your-insurance-and-super-payout)

---

### Life Insurance and Super each have one thing in common...

### If you don't legally decide today, who you want to get your money tomorrow, someone else will make that decision for you - and you might not like the result.

Simply put, you can nominate in writing who you want to receive any future payout with a **Beneficiary Nomination** or **Binding Death Nomination** (depending upon what you choose).

- [ super ](https://sapience.com.au/all-tags/super)
- [ inheritance ](https://sapience.com.au/all-tags/inheritance)
- [ binding nominations ](https://sapience.com.au/all-tags/binding-nominations)
- [ ⚖️ Estate Law & Succession Planning ](https://sapience.com.au/insights/estate-law-succession)
- [ 🏠 Wealth Builders & Home Finance ](https://sapience.com.au/insights/wealth-builders-home-finance)

 [ Read more … ](https://sapience.com.au/blog/how-to-nominate-who-gets-your-insurance-and-super-payout)

  [ ![mother and child eating a sandwich in from of a laptop](https://sapience.com.au/images/blog/intro-breaking-bad-money-habits-and-what-would-mary-poppins-do-sapience-financial.jpg) ](https://sapience.com.au/blog/breaking-bad-money-habits-and-what-would-mary-poppins-do "Breaking Bad Money Habits and What would Mary Poppins do?") ##  [ Breaking Bad Money Habits and What would Mary Poppins do? ](https://sapience.com.au/blog/breaking-bad-money-habits-and-what-would-mary-poppins-do)

---

### It's no surprise many of our habits come from what we've seen our parents do, while we were growing up - and unless we decide otherwise, we'll probably pass them on to our children too.

### Do you need to stop and think about that a little more?

Making good decisions and understanding why we often avoid making them is an essential part of everyone's financial life.

But how do you recognise when an old attitude towards money is no longer working for you and might need to change?

It's actually way harder than you'd think - and there's a good reason why.

- [ moneyisms ](https://sapience.com.au/all-tags/moneyisms)
- [ money habits ](https://sapience.com.au/all-tags/money-habits)
- [ 🌳 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/breaking-bad-money-habits-and-what-would-mary-poppins-do)

  [ ![Christmas tree with single ball decoration](https://sapience.com.au/images/intro-the-question-i-ask-each-christmas-sapience-financial.jpg) ](https://sapience.com.au/blog/the-question-i-ask-each-christmas "The One Question I ask myself each Christmas") ##  [ The One Question I ask myself each Christmas ](https://sapience.com.au/blog/the-question-i-ask-each-christmas)

---

### 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?

- [ money habits ](https://sapience.com.au/all-tags/money-habits)
- [ 🌍 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)

 [ Read more … ](https://sapience.com.au/blog/the-question-i-ask-each-christmas)

  [ ![person relaxing on sofa with cat](https://sapience.com.au/images/blog/intro-if-you-expect-to-retire-you-need-to-upgrade-your-financial-literacy-now-sapience-financial.jpg) ](https://sapience.com.au/blog/if-you-expect-to-retire-you-need-to-upgrade-your-financial-literacy-now "If you expect to retire, you need to upgrade your financial literacy now") ##  [ If you expect to retire, you need to upgrade your financial literacy now ](https://sapience.com.au/blog/if-you-expect-to-retire-you-need-to-upgrade-your-financial-literacy-now)

---

### So why do we need to be continually upgrading our financial literacy?

### Because there are increasing numbers of financial decisions needing to be made throughout our retirement, we all need to get used to making better financial decisions now.

- [ budgeting ](https://sapience.com.au/all-tags/budgeting)
- [ pre-retirement planning ](https://sapience.com.au/all-tags/pre-retirement-planning)
- [ pensions ](https://sapience.com.au/all-tags/pensions)
- [ super contributions ](https://sapience.com.au/all-tags/super-contributions)
- [ savings ](https://sapience.com.au/all-tags/savings)
- [ 🧠 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/if-you-expect-to-retire-you-need-to-upgrade-your-financial-literacy-now)

  [ ![mother with a saucepan over her head watched by a confused baby](https://sapience.com.au/images/blog/intro-stay-at-home-parents-and-tpd-insurance-sapience-financial.jpg) ](https://sapience.com.au/blog/stay-at-home-parents-and-tpd-insurance "Stay at home parents and a glitch in TPD insurance") ##  [ Stay at home parents and a glitch in TPD insurance ](https://sapience.com.au/blog/stay-at-home-parents-and-tpd-insurance)

---

### 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 reachable.

- [ family health & safety ](https://sapience.com.au/all-tags/family-health-safety)
- [ super ](https://sapience.com.au/all-tags/super)
- [ total & permanent disability (TPD) ](https://sapience.com.au/all-tags/total-permanent-disability-tpd)
- [ family provision ](https://sapience.com.au/all-tags/family-provision)
- [ 🛡️ Specialist Risk & Insurance ](https://sapience.com.au/insights/specialist-risk-insurance)

 [ Read more … ](https://sapience.com.au/blog/stay-at-home-parents-and-tpd-insurance)

1. [ Make a contribution to your spouses super fund and claim a tax credit yourself](https://sapience.com.au/blog/spouse-contributions-tax-offset)
2. [ Your Mortgage or your Super - which one should get your money first?](https://sapience.com.au/blog/your-mortgage-or-your-super-which-one-should-get-your-money-first)
3. [ The hidden victims of our road toll](https://sapience.com.au/blog/hidden-road-toll-victims)
4. [ A Modern Day Cinderella Story](https://sapience.com.au/blog/step-families-and-cinderella-situations)
5. [ Who is your super beneficiary?](https://sapience.com.au/blog/who-is-my-superannuation-beneficiary)
6. [ What happens if you unconsciously equate money with Status?](https://sapience.com.au/blog/status-money-beliefs)
7. [ What happens if you unconsciously idolise money?](https://sapience.com.au/blog/idolise-money-beliefs)

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

 Page 27 of 49

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