---
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=204"
date: "2026-06-18T07:31:22+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)

---

  [ ![father and young son painting  together](https://sapience.com.au/images/blog/intro-how-can-you-give-money-to-the-kids-and-keep-them-safe-sapience-financial.jpg) ](https://sapience.com.au/blog/how-can-you-give-money-to-the-kids-and-keep-them-safe "How can you give money to the kids and keep them safe?") ##  [ 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)

---

### How can you give money to the kids and keep them safe?

### One of the questions we’re often asked is about how to best help family and friends with money. Parents often talk about wanting to be part of the solution but at the same time not becoming part of the problem.

- [ loans to adult children ](https://sapience.com.au/all-tags/loans-to-adult-children)
- [ nominated benificiary ](https://sapience.com.au/beneficiary)
- [ inheritance ](https://sapience.com.au/all-tags/inheritance)
- [ contractual will agreement ](https://sapience.com.au/all-tags/contractual-will-agreement)
- [ sudden wealth syndrome ](https://sapience.com.au/all-tags/sudden-wealth-syndrome)
- [ 🌳 Family, Legacy & Aging ](https://sapience.com.au/insights/family-legacy-aging)

 [ Read more … ](https://sapience.com.au/blog/how-can-you-give-money-to-the-kids-and-keep-them-safe)

  [ ![grandfather and granddaughter ](https://sapience.com.au/images/blog/intro-conversations-about-money-i-wish-i-had-with-my-parents-sapience-financial.jpg) ](https://sapience.com.au/blog/conversations-about-money-i-wish-i-had-with-my-parents "Conversations about money I wish I had with my parents") ##  [ Conversations about money I wish I had with my parents ](https://sapience.com.au/blog/conversations-about-money-i-wish-i-had-with-my-parents)

---

### Thirty Business owners speak out about the importance of talking more about money with children

### In 2016 we surveyed over 300 small business owners in Australia about what were the conversions about money they wish they’d had with their parents — but didn't.

- [ family provision ](https://sapience.com.au/all-tags/family-provision)
- [ family protection ](https://sapience.com.au/all-tags/family-protection)
- [ Family Loan Agreements ](https://sapience.com.au/all-tags/family-loan-agreements)
- [ mindset ](https://sapience.com.au/all-tags/mindset)
- [ 🌳 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/conversations-about-money-i-wish-i-had-with-my-parents)

  [ ![friends standing at a BBQ](https://sapience.com.au/images/blog/intro-managing-the-emotional-cost-of-big-financial-decisions-sapience-financial.jpg) ](https://sapience.com.au/blog/managing-the-emotional-cost-of-big-financial-decisions "Managing the emotional cost of big financial decisions") ##  [ Managing the emotional cost of big financial decisions ](https://sapience.com.au/blog/managing-the-emotional-cost-of-big-financial-decisions)

---

### Managing the emotional cost of big financial decisions

### When I was a child, if I was good my Aunt would give me half a Mars Bar (the original 54 grams chocolate and caramel nougat snack that promised ‘Pleasure you can't measure’). If I was still good a month later, I’d get the other (slightly dehydrated) half. Even today, the thought of eating an entire Mars Bar myself, makes me feel uncomfortably indulgent.

- [ money habits ](https://sapience.com.au/all-tags/money-habits)
- [ directors guarantee ](https://sapience.com.au/all-tags/directors-guarantee)
- [ money talk ](https://sapience.com.au/all-tags/money-talk)
- [ 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/managing-the-emotional-cost-of-big-financial-decisions)

  [ ![parent holding a sleeping child](https://sapience.com.au/images/blog/intro-how-a-letter-of-wishes-works-in-modern-estate-planning-sapience-financial.jpg) ](https://sapience.com.au/blog/how-a-letter-of-wishes-works-in-modern-estate-planning "How a Letter of Wishes works, in Modern Estate Planning") ##  [ How a Letter of Wishes works, in Modern Estate Planning ](https://sapience.com.au/blog/how-a-letter-of-wishes-works-in-modern-estate-planning)

---

### What can be written in a Letter of Wishes?

A Letter of Wishes is part of your family backup plan documents, and its purpose is to provide general guidance to the future Executor or Trustee of a persons estate, following their death.![Our Modern Estate Planning services is called Finally Sorted](https://sapience.com.au/images/logo-brands/FinallySorted-Tagline_Square.svg)

- [ letter of wishes ](https://sapience.com.au/all-tags/letter-of-wishes)
- [ executors ](https://sapience.com.au/all-tags/executors)
- [ modern estate planning ](https://sapience.com.au/all-tags/modern-estate-planning)
- [ ⚖️ Estate Law & Succession Planning ](https://sapience.com.au/insights/estate-law-succession)

 [ Read more … ](https://sapience.com.au/blog/how-a-letter-of-wishes-works-in-modern-estate-planning)

  [ ![balloons](https://sapience.com.au/images/blog/intro-love-insurance-sapience-financial.jpg) ](https://sapience.com.au/blog/love-insurance "Love Insurance") ##  [ Love Insurance ](https://sapience.com.au/blog/love-insurance)

---

### Valentine’s Day means different things to different people

### But ultimately it's about Love

- [ life insurance ](https://sapience.com.au/life-insurance/life-terminal-illness-insurance)
- [ single parent stratagies ](https://sapience.com.au/all-tags/single-parent-stratagies)
- [ ⚖️ 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/love-insurance)

  [ ![black and white of photo couple sharing single milkshake with straws](https://sapience.com.au/images/blog/intro-sharing-ownership-of-a-property-with-another-sapience-financial.jpg) ](https://sapience.com.au/blog/sharing-ownership-of-a-property-with-another "How do you share ownership of a property with another?") ##  [ How do you share ownership of a property with another? ](https://sapience.com.au/blog/sharing-ownership-of-a-property-with-another)

---

### There are many ways to own property with other people

### Different ownership structures bring different rights and responsibilities so it makes sense to understand the basics.

When a single property is owned by more than one person (or company) it can be owned either as;

- **Joint Tenants,** or
- **Tenants in Common**
- [ property ownership ](https://sapience.com.au/all-tags/property-ownership)
- [ investment property ](https://sapience.com.au/all-tags/investment-property)
- [ 🏠 Wealth Builders & Home Finance ](https://sapience.com.au/insights/wealth-builders-home-finance)

 [ Read more … ](https://sapience.com.au/blog/sharing-ownership-of-a-property-with-another)

1. [ Understand how an offset account works](https://sapience.com.au/blog/understand-how-an-offset-account-works)
2. [ Making a more conscious choice about where you spend your money](https://sapience.com.au/blog/making-a-more-conscious-choice-about-where-you-spend-your-money)
3. [ Life insurance basics 101](https://sapience.com.au/blog/life-insurance-101)
4. [ 7 Crazy things some people believe about Life insurance](https://sapience.com.au/blog/7-crazy-things-some-people-believe-about-life-insurance)
5. [ 7 Ways to pay down your home loan faster](https://sapience.com.au/blog/7-ways-to-pay-down-your-home-loan-faster)
6. [ The fringe benefits of Christmas](https://sapience.com.au/blog/the-fringe-benefits-of-christmas)
7. [ How children's health affects family health](https://sapience.com.au/blog/how-childrens-health-affects-family-health)

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

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