---
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=192"
date: "2026-06-16T03:02:10+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)

---

  [ ![smashed piggy savings bank](https://sapience.com.au/images/intro-a-better-way-to-lend-money-to-family-members-sapience-financial.jpg) ](https://sapience.com.au/blog/a-better-way-to-lend-money-to-family-members "A better way to lend money to family members") ##  [ A better way to lend money to family members ](https://sapience.com.au/blog/a-better-way-to-lend-money-to-family-members)

---

### Generosity Meets Responsibility

Many parents who are able to help their children get into the property market find themselves in the difficult situation of having to choose whether they are 'gifting' or 'lending money' to an adult child.

While this may have consequences for a lender today, it also has consequences for a future tomorrow.

So how do you protect a gift to a family member?

- [ lending money to the kids ](https://sapience.com.au/all-tags/lending-money-to-the-kids)
- [ family provision ](https://sapience.com.au/all-tags/family-provision)
- [ family loan agreement ](https://sapience.com.au/all-tags/family-loan-agreement)
- [ lending money to parents ](https://sapience.com.au/all-tags/lending-money-to-parents)
- [ Pre-elder abuse ](https://sapience.com.au/all-tags/pre-elder-abuse)
- [ 🌳 Family, Legacy & Aging ](https://sapience.com.au/insights/family-legacy-aging)
- [ ⚖️ 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/a-better-way-to-lend-money-to-family-members)

  [ ![fortune teller and client](https://sapience.com.au/images/blog-assets/intro-take-the-mystery-out-of-applying-for-a-mortgage-sapience-financial.jpg) ](https://sapience.com.au/blog/take-the-mystery-out-of-applying-for-a-mortgage "Take the mystery out of applying for a mortgage") ##  [ Take the mystery out of applying for a mortgage ](https://sapience.com.au/blog/take-the-mystery-out-of-applying-for-a-mortgage)

---

### How to prepare for a Home Loan Application

### Applying for a mortgage is usually one of the biggest financial decisions a person will make in their life, so it just makes sense to give yourself the best chance.

Whether you're looking for your first home loan or an [investment property ](https://sapience.com.au/services/investment-property)loan, the preparation is really the same.

- [ mortgage ](https://sapience.com.au/all-tags/mortgage)
- [ credit score ](https://sapience.com.au/all-tags/credit-score)
- [ LMI ](https://sapience.com.au/all-tags/lmi)
- [ mortgage exit strategy ](https://sapience.com.au/all-tags/mortgage-exit-strategy)
- [ 🏠 Wealth Builders & Home Finance ](https://sapience.com.au/insights/wealth-builders-home-finance)

 [ Read more … ](https://sapience.com.au/blog/take-the-mystery-out-of-applying-for-a-mortgage)

  [ ![older brother supporting his younger brother in wheel chair](https://sapience.com.au/images/blog/intro-caring-for-someone-with-special-or-additional-needs-sapience-financial.jpg) ](https://sapience.com.au/blog/caring-for-someone-with-special-or-additional-needs "Caring for someone with special or additional needs") ##  [ Caring for someone with special or additional needs ](https://sapience.com.au/blog/caring-for-someone-with-special-or-additional-needs)

---

### What happens when the one you’re caring for, outlives you?

### The #1 question of parents and siblings with a special or additional needs child or sibling is usually:

> Who will look after them when we’re not there?

- [ things parents think about ](https://sapience.com.au/all-tags/things-parents-think-about)
- [ special needs ](https://sapience.com.au/all-tags/special-needs)
- [ 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/caring-for-someone-with-special-or-additional-needs)

  [ ![crowd of people walking](https://sapience.com.au/images/blog/intro-doing-whats-right-sapience-financial.jpg) ](https://sapience.com.au/blog/doing-whats-right "Saying what's right") ##  [ Saying what's right ](https://sapience.com.au/blog/doing-whats-right)

---

### When should a business express a moral opinion?

A few years ago, I attended a conference for business owners discussing the importance of *ethics and purpose in business*.

Things were going great until someone stood up and asked ‘that’ question. But wait, I’m getting ahead of myself.

- [ leadership ](https://sapience.com.au/all-tags/leadership)
- [ LGBTQIA+ ](https://sapience.com.au/all-tags/lgbtqia)
- [ say it like it is ](https://sapience.com.au/all-tags/say-it-like-it-is)
- [ ethics ](https://sapience.com.au/all-tags/ethics)
- [ 🤝 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)

 [ Read more … ](https://sapience.com.au/blog/doing-whats-right)

  [ ![person doing pushups on running trail](https://sapience.com.au/images/intro-why-you-cant-leave-your-superannuation-to-your-parents-sapience-financial.jpg) ](https://sapience.com.au/blog/why-you-cant-leave-your-superannuation-to-your-parents "Why you can’t leave your superannuation to your parents, even if you wanted to") ##  [ Why you can’t leave your superannuation to your parents, even if you wanted to ](https://sapience.com.au/blog/why-you-cant-leave-your-superannuation-to-your-parents)

---

### Why you can’t leave your superannuation to your parents, even if you wanted to

### Most people have some form of superannuation and it’s not long until the question gets asked, 'Who gets my Super if I die?'

- [ super ](https://sapience.com.au/all-tags/super)
- [ binding nominations ](https://sapience.com.au/all-tags/binding-nominations)
- [ ⚖️ Estate Law & Succession Planning ](https://sapience.com.au/insights/estate-law-succession)

 [ Read more … ](https://sapience.com.au/blog/why-you-cant-leave-your-superannuation-to-your-parents)

  [ ![protective parent with happy young child](https://sapience.com.au/images/blog/intro-sick-children-recover-faster-when-their-parents-can-be-with-them-sapience-financial.jpg) ](https://sapience.com.au/blog/sick-children-recover-faster-when-their-parents-can-be-with-them "Sick children recover faster when their parents can be with them") ##  [ Sick children recover faster when their parents can be with them ](https://sapience.com.au/blog/sick-children-recover-faster-when-their-parents-can-be-with-them)

---

### Children get sick—that’s a difficult part of life for every family

### But every now and then a child can get really sick and suffer a significant trauma or illness that affects the entire family.

- [ 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)
- [ case study ](https://sapience.com.au/all-tags/case-study)
- [ 🌳 Family, Legacy & Aging ](https://sapience.com.au/insights/family-legacy-aging)

 [ Read more … ](https://sapience.com.au/blog/sick-children-recover-faster-when-their-parents-can-be-with-them)

1. [ Free eGuide - 31 Families Every Day Lose a Parent](https://sapience.com.au/blog/31-families-every-day-lose-a-parent)
2. [ New Medical Second Opinion Service available to Sapience clients](https://sapience.com.au/blog/new-medical-second-opinion-service)
3. [ Free eGuide - 31 Good Money Habits to Model for your Kids](https://sapience.com.au/blog/free-eguide-31-good-money-habits-to-model-for-your-kids)
4. [ It's time to choose a Guardian for your children, just in case](https://sapience.com.au/blog/it-time-to-choose-a-guardian-for-your-children-just-in-case)
5. [ How to Budget Like A Badass!](https://sapience.com.au/blog/how-to-budget-like-a-badass)
6. [ How to have the money talk with your partner](https://sapience.com.au/blog/how-to-have-the-money-talk-with-your-partner)
7. [ How can you give money to the kids and keep them safe?](https://sapience.com.au/blog/how-can-you-give-money-to-the-kids-and-keep-them-safe)

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

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