---
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=246"
date: "2026-06-16T05:22:49+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)

---

  [ ![](https://sapience.com.au/images/blog/leadership/Ask-the-hard-questions-early-in-business-drewbrowne-modern-small-business-blog.jpg) ](https://sapience.com.au/blog/modern-small-business/ask-the-hard-questions-early-in-business "Ask the hard questions early in business") ##  [ Ask the hard questions early in business ](https://sapience.com.au/blog/modern-small-business/ask-the-hard-questions-early-in-business)

### Have you considered the increased risks of working with multiple business owners?

Being in business is about finding a way to work well with others.

This is essential if you want to increase your skills, broaden your reach, extend your creativity or just amplify your ability to deliver a needed product or service to your customer.

It's common knowledge that working with others in your business can accelerate your success.

**What's often not talked about is working with others can also amplify your risks**.

- [ leadership ](https://sapience.com.au/all-tags/leadership)
- [ Modern Small Business ](https://sapience.com.au/modern-small-business-blog)
- [ 🤝 Small Business Risk & Partnership ](https://sapience.com.au/insights/small-business-risk-partnership)

 [ Read more … ](https://sapience.com.au/blog/modern-small-business/ask-the-hard-questions-early-in-business)

  [ ![A close up image of a metal traditional crank driven golden metal cash register at an old time country store](https://sapience.com.au/images/blog/leadership/what-comes-to-mind-when-you-hear-the-word-philanthropy-drewbrowne-modern-small-business-blog.jpg) ](https://sapience.com.au/blog/modern-small-business/what-comes-to-mind-when-you-hear-the-word-philanthropy "What comes to mind when you hear the word philanthropy?") ##  [ What comes to mind when you hear the word philanthropy? ](https://sapience.com.au/blog/modern-small-business/what-comes-to-mind-when-you-hear-the-word-philanthropy)

### Business Social Responsibility (BSR)

Perhaps big businesses with big budgets and big personalities like Buffett, Gates, Oprah or just a word that's really hard to spell?

But where does Small Business fit into the conversation about philanthropy, business social responsibility (BSR) and giving back to the community in meaningful ways?

- [ leadership ](https://sapience.com.au/all-tags/leadership)
- [ Modern Small Business ](https://sapience.com.au/modern-small-business-blog)
- [ 🤝 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/modern-small-business/what-comes-to-mind-when-you-hear-the-word-philanthropy)

  [ ![A close up image of a surfer on a bold at sunrise looking out to fluffy white clouds](https://sapience.com.au/images/blog/leadership/always-plan-future-greater-than-your-past-drewbrowne-modern-small-business-blog.jpg) ](https://sapience.com.au/blog/modern-small-business/always-plan-a-future-greater-than-your-past "Always plan a future greater than your past") ##  [ Always plan a future greater than your past ](https://sapience.com.au/blog/modern-small-business/always-plan-a-future-greater-than-your-past)

### We are what we repeatedly do. Excellence then is not an act but a habit ― Aristotle.

For more than 10 years I enjoyed a successful career in law. Today, when many people learn about my previous position and see the noticeably different life I’m now seen to be living, it’s not uncommon for many to inquisitively ask the same question. ‘Don’t you miss all that now?’

- [ leadership ](https://sapience.com.au/all-tags/leadership)
- [ Modern Small Business ](https://sapience.com.au/modern-small-business-blog)
- [ 🤝 Small Business Risk & Partnership ](https://sapience.com.au/insights/small-business-risk-partnership)

 [ Read more … ](https://sapience.com.au/blog/modern-small-business/always-plan-a-future-greater-than-your-past)

  [ ![A close up photo of the Australian Luna park park famous face entry gates](https://sapience.com.au/images/blog/leadership/never-been-a-better-time-to-be-alive-and-under-35-drewbrowne-modern-small-business-blog.jpg) ](https://sapience.com.au/blog/modern-small-business/never-been-a-better-time-to-be-alive-and-under-35 "There's never been a better time to be alive and under 35") ##  [ There's never been a better time to be alive and under 35 ](https://sapience.com.au/blog/modern-small-business/never-been-a-better-time-to-be-alive-and-under-35)

### Born in the 1980s? Lucky you (the case for Gen Y envy)

We believe people do business with people, not companies; and when given choice, people always do business with people who best understand them.

- [ 🤝 Small Business Risk & Partnership ](https://sapience.com.au/insights/small-business-risk-partnership)

 [ Read more … ](https://sapience.com.au/blog/modern-small-business/never-been-a-better-time-to-be-alive-and-under-35)

  [ ![An illustration of a old fashion magical lamp hopefully containing a genie able to grant you 3 wishes](https://sapience.com.au/images/blog/leadership/working-smarter-not-harder-is-bad-advice-drewbrowne-modern-small-business.jpg) ](https://sapience.com.au/blog/modern-small-business/working-smarter-not-harder-is-bad-advice "Working smarter not harder is bad advice") ##  [ Working smarter not harder is bad advice ](https://sapience.com.au/blog/modern-small-business/working-smarter-not-harder-is-bad-advice)

### Working smarter? It just might be bad advice

The Genie is out of the bottle (mind the metaphor)

Information about building a business has never been more accessible.

But many small businesses still fail in the first 2 years.

Why?

- [ leadership ](https://sapience.com.au/all-tags/leadership)
- [ Modern Small Business ](https://sapience.com.au/modern-small-business-blog)
- [ 🤝 Small Business Risk & Partnership ](https://sapience.com.au/insights/small-business-risk-partnership)

 [ Read more … ](https://sapience.com.au/blog/modern-small-business/working-smarter-not-harder-is-bad-advice)

  [ ![An apparently homeless person on the street with a cardboard sign offering advice for $50.00 in good advice for a different amount](https://sapience.com.au/images/blog/leadership/asking-great-questions-is-better-than-finding-simple-answers-drewbrowne-modern-small-business-blog.jpg) ](https://sapience.com.au/blog/modern-small-business/asking-great-questions-is-better-than-finding-simple-answers "Asking great questions is better than finding simple answers") ##  [ Asking great questions is better than finding simple answers ](https://sapience.com.au/blog/modern-small-business/asking-great-questions-is-better-than-finding-simple-answers)

### Asking great questions; It's better than finding simple answers

> Judge a man by his questions rather than his answers - Voltaire

- [ leadership ](https://sapience.com.au/all-tags/leadership)
- [ Modern Small Business ](https://sapience.com.au/modern-small-business-blog)
- [ 🤝 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/modern-small-business/asking-great-questions-is-better-than-finding-simple-answers)

1. [ When was the last time you were propositioned?](https://sapience.com.au/blog/modern-small-business/when-was-the-last-time-you-were-propositioned)
2. [ Our communities need leaders now, not promises of money later](https://sapience.com.au/blog/modern-small-business/our-communities-need-leaders-now-not-promises-of-money-later)
3. [ Are you solving the wrong problem with the right answer?](https://sapience.com.au/blog/modern-small-business/are-you-solving-the-wrong-problem-with-the-right-answer)
4. [ What does it feel like to be wrong?](https://sapience.com.au/blog/modern-small-business/what-does-it-feel-like-to-be-wrong)
5. [ Give with your head more than your heart](https://sapience.com.au/blog/modern-small-business/give-with-your-head-more-than-your-heart)
6. [ Whos invested in your business?](https://sapience.com.au/blog/modern-small-business/whos-invested-in-your-business)
7. [ The evolving financial effects of prostate cancer surgery and how to mange this new risk](https://sapience.com.au/blog/modern-small-business/the-evolving-financial-effects-of-prostate-cancer-surgery-and-how-to-mange-this-new-risk)

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

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