---
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=168"
date: "2026-06-16T02:20:42+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)

---

  [ ![selfie photo of man looking at camera with idolised moneyism icon behind them](https://sapience.com.au/images/blog/intro-idolised-money-beliefs-sapience-financial.jpg) ](https://sapience.com.au/blog/idolise-money-beliefs "What happens if you unconsciously idolise money?") ##  [ What happens if you unconsciously idolise money? ](https://sapience.com.au/blog/idolise-money-beliefs)

---

### We all like to think we have more control over our decisions in life than perhaps we really do

\- and this is particularly common when it comes to our personal money matters.

It's nothing new — our beliefs usually dictate how we react to life events — but what if you've forgotten your default money belief and are living and deciding on autopilot?

- The advertising industry would call that a win for advertising.
- [ moneyisms ](https://sapience.com.au/all-tags/moneyisms)
- [ saving and investing ](https://sapience.com.au/all-tags/saving-and-investing)
- [ mindset ](https://sapience.com.au/all-tags/mindset)
- [ 🧠 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/idolise-money-beliefs)

  [ ![female selfie with avoidant moneyisms icon](https://sapience.com.au/images/intro-avoidant-money-beliefs-sapience-financial.jpg) ](https://sapience.com.au/blog/avoidant-money-beliefs "What happens if you unconsciously Avoid money?") ##  [ What happens if you unconsciously Avoid money? ](https://sapience.com.au/blog/avoidant-money-beliefs)

---

### How do you feel about having money?

### It's not something many people stop and consider—but there’s definitely patterns connected with personal poverty and financial chaos.

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

 [ Read more … ](https://sapience.com.au/blog/avoidant-money-beliefs)

  [ ![stack of processes salt crackers, high in processes sugar](https://sapience.com.au/images/blog/intro-can-a-person-with-diabetes-get-life-insurance-sapience-financial.jpg) ](https://sapience.com.au/blog/can-a-person-with-diabetes-get-life-insurance "Can a person with diabetes get life insurance?") ##  [ Can a person with diabetes get life insurance? ](https://sapience.com.au/blog/can-a-person-with-diabetes-get-life-insurance)

---

### Diabetes in Australia is our fastest-growing chronic condition.

If you're a person living with a diabetes diagnosis and you're wondering if you can get life insurance, you might be pleasantly surprised. For those who are[ newly diagnosed with diabetes](https://sapience.com.au/index.php?option=com_content&view=article&id=595:newly-diagnosed-with-diabetes-and-needing-to-get-your-income-protection-in-place&catid=83:blog), there’s a lot of misunderstanding surrounding what it means for the future.

Whether you have type 1 or type 2 diabetes, it **is still possible to get cover** when applying for a full underwritten policy.

### Each day 280 Australians develop this disease.

- 56% are males
- 44% are females
- [ family health & safety ](https://sapience.com.au/all-tags/family-health-safety)
- [ crisis & trauma recovery insurance ](https://sapience.com.au/all-tags/crisis-trauma-recovery-insurance)
- [ diabetes ](https://sapience.com.au/all-tags/diabetes)
- [ life isurance ](https://sapience.com.au/all-tags/life-isurance)
- [ 🛡️ Specialist Risk & Insurance ](https://sapience.com.au/insights/specialist-risk-insurance)

 [ Read more … ](https://sapience.com.au/blog/can-a-person-with-diabetes-get-life-insurance)

  [ ![](https://sapience.com.au/images/blog/intro-when-young-families-lose-a-parent-sapience-financial.jpg) ](https://sapience.com.au/blog/when-young-families-lose-a-parent "When young families lose a parent") ##  [ When young families lose a parent ](https://sapience.com.au/blog/when-young-families-lose-a-parent)

---

### The long-term effect of grief over the loss of a family member.

### A recent report about *Millennials and Generation X’ers who lost a parent while growing* up confirmed what most people already suspected - the impact of the loss lasts a lifetime. A third of those surveyed said, ‘I've never really gotten over my loss’.

- [ ⚖️ 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/when-young-families-lose-a-parent)

  [ ![father and child playing on monkey bars](https://sapience.com.au/images/blog/intro-the-question-every-blended-family-wants-answered-but-never-asks-sapience-financial.jpg) ](https://sapience.com.au/blog/the-question-every-blended-family-wants-answered-but-never-asks "The question every blended family wants answered (but never asks)") ##  [ The question every blended family wants answered (but never asks) ](https://sapience.com.au/blog/the-question-every-blended-family-wants-answered-but-never-asks)

---

### The question every blended family wants to be answered is often 'Does a child in a blended family lose their rights to an inheritance if their step-parent dies?

### A Contractual Will Agreement might provide the answer to this difficult question.

Many blended Australian families wanting greater certainty in their estate planning choose to make a *Mirror Will* with their spouse - effectively leaving everything to each other.

- [ blending families ](https://sapience.com.au/all-tags/blending-families)
- [ LGBTQIA+ ](https://sapience.com.au/all-tags/lgbtqia)
- [ inheritance ](https://sapience.com.au/all-tags/inheritance)
- [ modern estate planning ](https://sapience.com.au/all-tags/modern-estate-planning)
- [ Protective Wills ](https://sapience.com.au/all-tags/protective-wills)
- [ Mirror Wills ](https://sapience.com.au/all-tags/mirror-wills)
- [ Mutual Wills ](https://sapience.com.au/all-tags/mutual-wills)
- [ 🌳 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/the-question-every-blended-family-wants-answered-but-never-asks)

  [ ![father putting sock on young child sitting on grass](https://sapience.com.au/images/intro-legal-consequences-of-borrowing-with-others-sapience-financial.jpg) ](https://sapience.com.au/blog/whats-really-at-stake-when-you-borrow-with-others "What's really at stake when you borrow with others?") ##  [ What's really at stake when you borrow with others? ](https://sapience.com.au/blog/whats-really-at-stake-when-you-borrow-with-others)

---

### Get clear on what's at stake when you borrow with others

### Understanding 'joint and severally liability loans' and what it means for you.

You might think when you take out a joint mortgage with someone else you’re only responsible for your ‘half’ or share of the loan.

Think again because this is not the case.

- By signing a mortgage contract with someone else, you’re each agreeing to pay off the whole debt if the other can’t – or won’t – pay it.
- [ joint and severally liability ](https://sapience.com.au/all-tags/joint-and-severally-liability)
- [ ⚖️ 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/whats-really-at-stake-when-you-borrow-with-others)

1. [ Think before you refinance the mortgage](https://sapience.com.au/blog/think-before-you-refinance-the-mortgage)
2. [ Moneyisms](https://sapience.com.au/blog/moneyisms)
3. [ Understanding lenders mortgage insurance](https://sapience.com.au/blog/understanding-lenders-mortgage-insurance)
4. [ Federal Budget Summary 2018-19](https://sapience.com.au/blog/federal-budget-summary-2018-19)
5. [ New Severity Based Insurance](https://sapience.com.au/blog/new-severity-based-insurance)
6. [ How to survive a financial train wreck](https://sapience.com.au/blog/how-to-survive-a-financial-train-wreck)
7. [ What to teach your children about money, before they are 10](https://sapience.com.au/blog/what-to-teach-your-children-about-money-before-they-are-10)

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

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