---
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=180"
date: "2026-06-16T02:59:15+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)

---

  [ ![child learning to ride skateboard](https://sapience.com.au/images/blog/intro-what-to-teach-your-children-about-money-before-they-are-10-sapience-financial.jpg) ](https://sapience.com.au/blog/what-to-teach-your-children-about-money-before-they-are-10 "What to teach your children about money, before they are 10") ##  [ 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)

---

### The other day when talking with Little Miss 5 about the cost of having her birthday party at the local gold class cinema, she casually gave me some financial advice to, "just go to the money machine in the wall and get the money".

I realised it was time to begin to explain where money comes from, after all, it's up to the adults in the lives of children to model helpful behaviours as our children begin their journey of understanding money.

- [ fun stuff ](https://sapience.com.au/all-tags/fun-stuff)
- [ money talk ](https://sapience.com.au/all-tags/money-talk)
- [ savings ](https://sapience.com.au/all-tags/savings)

 [ Read more … ](https://sapience.com.au/blog/what-to-teach-your-children-about-money-before-they-are-10)

  [ ![teenage girl txting on phone](https://sapience.com.au/images/blog/intro-having-the-money-talk-with-the-kids-sapience-financial.jpg) ](https://sapience.com.au/blog/having-the-money-talk-with-the-kids "Would you prefer to talk with your teenager about sex or money?") ##  [ Would you prefer to talk with your teenager about sex or money? ](https://sapience.com.au/blog/having-the-money-talk-with-the-kids)

---

### How do you start ‘the talk’ with your kids?

"No, not that talk... the other big talk."

### Parents all ask the same question

After 20+ years working as a financial adviser, you get to see patterns in people's actions and, more importantly, their questions.

The number one question I get asked by parents of all ages is,

‘How can I help my kids get ahead in life?’

- [ money advice for the kids ](https://sapience.com.au/all-tags/money-advice-for-the-kids)
- [ money talk ](https://sapience.com.au/all-tags/money-talk)
- [ 🧠 Evolutionary Finance ](https://sapience.com.au/insights/evolutionary-finance)
- [ 🌳 Family, Legacy & Aging ](https://sapience.com.au/insights/family-legacy-aging)

 [ Read more … ](https://sapience.com.au/blog/having-the-money-talk-with-the-kids)

  [ ![male with male friend in wheelchair](https://sapience.com.au/images/blog/intro-when-can-i-get-early-access-to-my-super-sapience-financial.jpg) ](https://sapience.com.au/blog/when-can-i-get-early-access-to-my-super "When is it possible to get early access to my super?") ##  [ When is it possible to get early access to my super? ](https://sapience.com.au/blog/when-can-i-get-early-access-to-my-super)

---

### Need to get early access to some of your super?

Nothing starts a heated conversation between mates at a BBQ quicker than a question about superannuation and whether you should be allowed to get access to it before you retire.

The government's stated purpose behind our national compulsory super savings plan is *to provide people income in retirement* to substitute (or supplement) the Age Pension. This is known as *the sole purpose test*.

- [ SMSF ](https://sapience.com.au/smsf)
- [ superannuation ](https://sapience.com.au/all-tags/superannuation)
- [ early release of super ](https://sapience.com.au/all-tags/early-release-of-super)
- [ 🏠 Wealth Builders & Home Finance ](https://sapience.com.au/insights/wealth-builders-home-finance)

 [ Read more … ](https://sapience.com.au/blog/when-can-i-get-early-access-to-my-super)

  [ ![old work boots on wooden floor](https://sapience.com.au/images/blog/intro-nominating-who-gets-your-super-and-life-insurance-sapience-financial.jpg) ](https://sapience.com.au/blog/nominating-who-gets-your-super-and-life-insurance "Who gets your super and its life insurance, when you die?") ##  [ Who gets your super and its life insurance, when you die? ](https://sapience.com.au/blog/nominating-who-gets-your-super-and-life-insurance)

---

### Life insurance inside your super has special rules you need to understand - especially if you're a blended family.

### You need to let your super fund (and life insurance company) know who you want as a beneficiary to receive any payout made upon your death.

This is especially important if your life insurance is owned by your super fund because there are additional rules you need to understand. If you don't, then you'll leave a whole lot of unnecessary pain and problems for your survivors.

- [ life insurance ](https://sapience.com.au/life-insurance/life-terminal-illness-insurance)
- [ family provision ](https://sapience.com.au/all-tags/family-provision)
- [ blended families ](https://sapience.com.au/all-tags/blended-families)
- [ case studies ](https://sapience.com.au/all-tags/case-studies)
- [ case study ](https://sapience.com.au/all-tags/case-study)
- [ ⚖️ 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/nominating-who-gets-your-super-and-life-insurance)

  [ ![cup of coffee beside a stack of receipts](https://sapience.com.au/images/blog/intro-how-to-split-expenses-as-a-couple-sapience-financial.jpg) ](https://sapience.com.au/blog/how-to-split-expenses-as-a-couple "How to split expenses as a Couple") ##  [ How to split expenses as a Couple ](https://sapience.com.au/blog/how-to-split-expenses-as-a-couple)

---

### How do you split expenses fairly as a couple?

### What to do when you want to share bills as a couple but you each earn very different amounts of income

If one partner is making $105,000 a year, while the other is making $37,500 a year, how do couples approach sharing the costs of living together equally?

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

 [ Read more … ](https://sapience.com.au/blog/how-to-split-expenses-as-a-couple)

  [ ![house with red wall](https://sapience.com.au/images/blog-assets/intro-sell-the-family-home-and-contribute-to-your-super-fund-sapience-financial.jpg) ](https://sapience.com.au/blog/sell-the-family-home-and-contribute-to-your-super-fund "Downsize your home and put the profit into your super") ##  [ Downsize your home and put the profit into your super ](https://sapience.com.au/blog/sell-the-family-home-and-contribute-to-your-super-fund)

---

### A new type of super contribution has been announced and it’s called the *downsizer superannuation contribution* (DSC)

### Putting money into your super fund or paying down your home mortgage has always been a difficult choice for many Australians.

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

 [ Read more … ](https://sapience.com.au/blog/sell-the-family-home-and-contribute-to-your-super-fund)

1. [ Who can make emergency medical decisions for you?](https://sapience.com.au/blog/who-is-your-person-responsible)
2. [ Financial Advice for Same-Sex Couples](https://sapience.com.au/blog/financial-advice-for-same-sex-couples)
3. [ The Better Business Book Vol 3 (now also on Kindle )](https://sapience.com.au/blog/the-better-business-book)
4. [ Test your Christmas Trivia Skills!](https://sapience.com.au/blog/christmas-trivia)
5. [ Prostate cancer surgery and its disturbing new link to business risk](https://sapience.com.au/blog/prostate-cancer-surgery-and-its-new-link-to-business-risk)
6. [ Life is a lot like a game of Snakes & Ladders](https://sapience.com.au/blog/snakes-and-ladders)
7. [ A better way to lend money to family members](https://sapience.com.au/blog/a-better-way-to-lend-money-to-family-members)

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

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