--- 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=225" date: "2026-06-24T00:38:44+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) --- [ ![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) [ ![love locks](https://sapience.com.au/images/blog/intro-what-are-the-key-documents-in-an-estate-plan-sapience-financial.jpg) ](https://sapience.com.au/blog/what-are-the-key-documents-in-an-estate-plan "What are the key documents in an estate plan?") ## [ What are the key documents in an estate plan? ](https://sapience.com.au/blog/what-are-the-key-documents-in-an-estate-plan) --- ### Modern Estate Planning is about a workable plan – not just a Will ### It involves a powerful *combination of 5 key documents* and *an ongoing management system* that works quietly in the background for you as a personal backup system. ### So what’s your Plan B? (just in case) - [ power of attorney ](https://sapience.com.au/all-tags/power-of-attorney) - [ company power of attorney ](https://sapience.com.au/all-tags/company-power-of-attorney) - [ Simple Wills ](https://sapience.com.au/all-tags/simple-wills) - [ enduring power of guardianship ](https://sapience.com.au/all-tags/enduring-power-of-guardianship) - [ Protective Wills ](https://sapience.com.au/all-tags/protective-wills) - [ ⚖️ Estate Law & Succession Planning ](https://sapience.com.au/insights/estate-law-succession) [ Read more … ](https://sapience.com.au/blog/what-are-the-key-documents-in-an-estate-plan) [ ![fun time lapse video of LEGO construction](https://sapience.com.au/images/blog/intro-lego-time-lapse-sapience-financial.jpg) ](https://sapience.com.au/blog/lego-time-lapse "LEGO time-lapse") ## [ LEGO time-lapse ](https://sapience.com.au/blog/lego-time-lapse) --- ### LEGO® logo time lapse ### There is power in playfulness … Many of our clients remember fondly first playing with LEGO® bricks at a young age and perhaps accumulating more plastic blocks than would be considered healthy and might rival the typical Tupperware collections of old. The same enjoyment is now making inroads into corporate thinking with programs such as LEGO® SERIOUS PLAY®. - [ fun stuff ](https://sapience.com.au/all-tags/fun-stuff) - [ annimated explainer video ](https://sapience.com.au/all-tags/annimated-explainer-video) - [ LEGO Fun ](https://sapience.com.au/all-tags/lego-fun) - [ 📰 Sapience General Archive ](https://sapience.com.au/insights/sapience-general-archive) [ Read more … ](https://sapience.com.au/blog/lego-time-lapse) [ ![LEGO Minifig with artwork applied](https://sapience.com.au/images/blog/intro-australias-coolest-business-cards-sapience-financial.jpg) ](https://sapience.com.au/blog/australias-coolest-business-cards "Australia’s Coolest Business Cards") ## [ Australia’s Coolest Business Cards ](https://sapience.com.au/blog/australias-coolest-business-cards) --- ### Are these Australia’s Coolest Business Cards? ### Our new LEGO® themed business cards have arrived at Sapience! - [ fun stuff ](https://sapience.com.au/all-tags/fun-stuff) - [ LEGO Fun ](https://sapience.com.au/all-tags/lego-fun) - [ 📰 Sapience General Archive ](https://sapience.com.au/insights/sapience-general-archive) [ Read more … ](https://sapience.com.au/blog/australias-coolest-business-cards) 1. [ Why every parent needs a Plan B for the future](https://sapience.com.au/blog/why-every-parent-needs-a-plan-for-the-future) 2. [ 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) 3. [ Common mistakes with Employer Super Obligations](https://sapience.com.au/blog/common-mistakes-with-employer-super-obligations) 4. [ SMSF and Liquidity Risks](https://sapience.com.au/blog/smsf-and-liquidity-risks) 5. [ Life is complicated without the instructions](https://sapience.com.au/blog/life-is-complicated-without-the-instructions) 6. [ The biggest risk in small business is also the most manageable](https://sapience.com.au/blog/modern-small-business/the-biggest-risk-in-small-business-is-also-the-most-manageable) 7. [ Your customer will only really remember how you made them feel](https://sapience.com.au/blog/modern-small-business/your-customer-will-only-really-remember-how-you-made-them-feel) ### [ Modern Small Business Leadership](https://sapience.com.au/blog/modern-small-business) Page 38 of 49 ## Schema ```json { "@context": "https://schema.org", "@type": "BreadcrumbList", "itemListElement": [ { "@type": "ListItem", "position": 1, "name": "Home |", "item": "https://sapience.com.au" }, { "@type": "ListItem", "position": 2, "name": "Blogs", "item": "https://sapience.com.au/blog" } ] } ```