---
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=222"
date: "2026-06-16T04:09:27+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)

---

  [ ![frustrated man in hospital gown looking at you](https://sapience.com.au/images/blog/intro-the-numbers-of-life-sapience-financial.jpg) ](https://sapience.com.au/blog/the-numbers-of-life "The Numbers of Life") ##  [ The Numbers of Life ](https://sapience.com.au/blog/the-numbers-of-life)

---

### Let's be really honest here. It doesn't take long to realise that life *never quite works out* just the way we planned.

### To suggest it's unpredictable - is an understatement.

Call it chance, accident, fate or even serendipity; sh!t happens. Ok now that's out in the open and we're being honest, the point we're making is life just happens to us all and some things catch us all off guard. How we deal with hard times makes us human; how we plan for those potential hard times makes us successful. To Protect and Provide is the very essence of being human – and we think its one of our most endearing traits.

> When hard times happen remember it's not personal - its just the statistical realities; its [the numbers of life](#the-numbers)

- [ the numbers of life ](https://sapience.com.au/all-tags/the-numbers-of-life)
- [ the numbers of business ](https://sapience.com.au/all-tags/the-numbers-of-business)
- [ modern estate planning ](https://sapience.com.au/all-tags/modern-estate-planning)
- [ mindset ](https://sapience.com.au/all-tags/mindset)
- [ ⚖️ 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/the-numbers-of-life)

  [ ![smiling male sitting](https://sapience.com.au/images/intro-how-much-life-insurance-is-enough-sapience-financial.jpg) ](https://sapience.com.au/blog/how-much-life-insurance-is-enough "How much life insurance is enough?") ##  [ How much life insurance is enough? ](https://sapience.com.au/blog/how-much-life-insurance-is-enough)

---

### Meet George - Logistics co-ordination ninja

### He spends most of his workday chasing boxes, deadlines and freight companies.

His partner is the love of his life (and drives him crazy at times). George has a stepdaughter who he adores and a well-earned reputation as a bit of Weekend DIY Tragic, relentlessly renovating his townhouse.

- [ life insurance ](https://sapience.com.au/life-insurance/life-terminal-illness-insurance)
- [ how much is enough ](https://sapience.com.au/all-tags/how-much-is-enough)
- [ annimated explainer video ](https://sapience.com.au/all-tags/annimated-explainer-video)
- [ 🛡️ Specialist Risk & Insurance ](https://sapience.com.au/insights/specialist-risk-insurance)

 [ Read more … ](https://sapience.com.au/blog/how-much-life-insurance-is-enough)

  [ ![gambler peaking at the card they were dealt](https://sapience.com.au/images/blog/intro-what-is-the-chance-of-needing-to-claim-on-your-personal-insurance-policy-sapience-financial.jpg) ](https://sapience.com.au/blog/what-is-the-chance-of-needing-to-claim-on-your-personal-insurance-policy "What are the chances of needing to claim on your personal insurance policy?") ##  [ What are the chances of needing to claim on your personal insurance policy? ](https://sapience.com.au/blog/what-is-the-chance-of-needing-to-claim-on-your-personal-insurance-policy)

---

### We all have to learn how to prioritise big decisions

There are some statistics in life that you simply need to know so you can make better choices.

Most people wouldn't dream of traveling overseas without Travel Insurance to protect their luggage and their health. Nobody wants to be stranded overseas with no luggage or worse, in a foreign hospital hoping the local doctors have the right skills, medication and sanitation standards that's not going to put you at greater risk.

- [ life insurance ](https://sapience.com.au/life-insurance/life-terminal-illness-insurance)
- [ income protection ](https://sapience.com.au/all-tags/income-protection)
- [ total & permanent disability (TPD) ](https://sapience.com.au/all-tags/total-permanent-disability-tpd)
- [ business debt protection ](https://sapience.com.au/all-tags/business-debt-protection)
- [ insurance claims ](https://sapience.com.au/insurance-claims)
- [ chart ](https://sapience.com.au/all-tags/chart)
- [ 🛡️ Specialist Risk & Insurance ](https://sapience.com.au/insights/specialist-risk-insurance)

 [ Read more … ](https://sapience.com.au/blog/what-is-the-chance-of-needing-to-claim-on-your-personal-insurance-policy)

  [ ![homeless person with cardboard sign](https://sapience.com.au/images/blog/intro-Six-key-insights-to-greater-success-with-money-sapience-financial.jpg) ](https://sapience.com.au/blog/six-key-insights-to-greater-success-with-money "Six key insights to greater success with money") ##  [ Six key insights to greater success with money ](https://sapience.com.au/blog/six-key-insights-to-greater-success-with-money)

---

### Many people ask us what can they do to accelerate their personal wealth and how to get better at life faster.

This leads to the same conversation about concerns for their kids and how they will need to face more complex issues than the generation before them.

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

 [ Read more … ](https://sapience.com.au/blog/six-key-insights-to-greater-success-with-money)

  [ ![father hugging young child](https://sapience.com.au/images/blog/intro-who-inherits-your-business-debt-if-something-happens-to-you-sapience-financial.jpg) ](https://sapience.com.au/blog/who-inherits-your-business-debt-if-something-happens-to-you "Who inherits your business debt if something happens to you?") ##  [ Who inherits your business debt if something happens to you? ](https://sapience.com.au/blog/who-inherits-your-business-debt-if-something-happens-to-you)

---

### For the majority of small business owners, the bulk of their wealth is often locked up in their business.

### The business generates their income to pay the rent, pay the mortgage or even the wealth to build the investment portfolio for retirement.

A business owner's ability to actually retire is usually directly linked to the success and stability of their business and their own ability to continue to earn an income.

> But what happens to your business debts (and even family debts) when a person unexpectedly passes away?

- [ inheritance ](https://sapience.com.au/all-tags/inheritance)
- [ directors loan account ](https://sapience.com.au/all-tags/directors-loan-account)
- [ directors guarantee ](https://sapience.com.au/all-tags/directors-guarantee)
- [ managing small business risks ](https://sapience.com.au/all-tags/managing-small-business-risks)
- [ 🛡️ Specialist Risk & Insurance ](https://sapience.com.au/insights/specialist-risk-insurance)
- [ 🤝 Small Business Risk & Partnership ](https://sapience.com.au/insights/small-business-risk-partnership)

 [ Read more … ](https://sapience.com.au/blog/who-inherits-your-business-debt-if-something-happens-to-you)

  [ ![young creative man looking at computer monitor](https://sapience.com.au/images/blog/intro-professional-people-need-their-own-life-insurance-adviser-and-this-is-why-sapience-financial.jpg) ](https://sapience.com.au/blog/professional-people-need-their-own-life-insurance-adviser-and-this-is-why "Professional people need their own life insurance adviser and this is why") ##  [ Professional people need their own life insurance adviser and this is why ](https://sapience.com.au/blog/professional-people-need-their-own-life-insurance-adviser-and-this-is-why)

---

### Professional people managing their own chronic health conditions need their own life insurance adviser

Many people in professional business use life insurance products but ... what do you do when your business partner tells you 'the business needs to get life insurance in place to cover the business debts', but doesn't know you've been diagnosed with diabetes?

- [ 🛡️ Specialist Risk & Insurance ](https://sapience.com.au/insights/specialist-risk-insurance)
- [ 🤝 Small Business Risk & Partnership ](https://sapience.com.au/insights/small-business-risk-partnership)
- [ 🏠 Wealth Builders & Home Finance ](https://sapience.com.au/insights/wealth-builders-home-finance)

 [ Read more … ](https://sapience.com.au/blog/professional-people-need-their-own-life-insurance-adviser-and-this-is-why)

1. [ What are the key documents in an estate plan?](https://sapience.com.au/blog/what-are-the-key-documents-in-an-estate-plan)
2. [ LEGO time-lapse](https://sapience.com.au/blog/lego-time-lapse)
3. [ Australia’s Coolest Business Cards](https://sapience.com.au/blog/australias-coolest-business-cards)
4. [ Why every parent needs a Plan B for the future](https://sapience.com.au/blog/why-every-parent-needs-a-plan-for-the-future)
5. [ Co-Owners and the new way to buy property and help your kids](https://sapience.com.au/blog/co-owners-and-the-new-way-to-buy-property)
6. [ Common mistakes with Employer Super Obligations](https://sapience.com.au/blog/common-mistakes-with-employer-super-obligations)
7. [ SMSF and Liquidity Risks](https://sapience.com.au/blog/smsf-and-liquidity-risks)

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

 Page 38 of 49

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