---
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=252"
date: "2026-06-16T05:51:55+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)

---

  [ ![A close up photo of love heart candy embossed with affectionate words](https://sapience.com.au/images/blog/leadership/when-was-the-last-time-you-were-propositioned-drewbrowne-modern-small-businesss-blog.jpg) ](https://sapience.com.au/blog/modern-small-business/when-was-the-last-time-you-were-propositioned "When was the last time you were propositioned?") ##  [ When was the last time you were propositioned? ](https://sapience.com.au/blog/modern-small-business/when-was-the-last-time-you-were-propositioned)

### Uncomfortable confessions from a conference - Knowing how 'you’ll deliver' is part of the attraction

I confess: there’s something that has baffled me for years but I've been too embarrassed to ask about, and now I wonder if I’m too old to bother.

- Last week at a business conference, a well-dressed supplier sidled up to me in public, and ogling my name tag asked, “So what's your value-proposition Drew?”
- I was taken aback. I've never been asked for one so directly. I remember immediately thinking, ‘I’m not sure you’re my type’ and ‘shouldn’t we at least have coffee first to get to know more about each other?’

I must say, the interaction left me feeling manhandled; and a little objectified, too.

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

 [ Read more … ](https://sapience.com.au/blog/modern-small-business/when-was-the-last-time-you-were-propositioned)

  [ ![A close up view of a French patisserie cake shop with berries and icing](https://sapience.com.au/images/blog/leadership/tales-from-the-dessert-cart-drew-browne-modern-small-business-blog.jpg) ](https://sapience.com.au/blog/modern-small-business/our-communities-need-leaders-now-not-promises-of-money-later "Our communities need leaders now, not promises of money later") ##  [ 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)

### What you really value you start today -(Tales from the dessert cart!)

Many things in life and business depend upon insights grown and tested over time.

- [ 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/our-communities-need-leaders-now-not-promises-of-money-later)

  [ ![A top down view of a person in jeans wearing a blue shoe and a yellow shoe](https://sapience.com.au/images/blog/leadership/Are-you-solving-the-wrong-problem-with-the-right-answer-drewbrowne-modern-small-business-blog.jpg) ](https://sapience.com.au/blog/modern-small-business/are-you-solving-the-wrong-problem-with-the-right-answer "Are you solving the wrong problem with the right answer?") ##  [ 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)

### A new way to look at round pegs

Small business, at its simplest form is about being able to manage and solve problems for people, just in time.

So why do many business owners say they regularly struggle to diagnose business problems correctly?

What if the problem they’re solving is the wrong one?

And what’s the long term outcome when you’re constantly pouring your limited time, focus and resources, into the wrong cup?

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

 [ Read more … ](https://sapience.com.au/blog/modern-small-business/are-you-solving-the-wrong-problem-with-the-right-answer)

  [ ![A man in a business shirt taking off his glasses as he stands in a corridor thinking about an idea](https://sapience.com.au/images/blog/leadership/what-does-it-feel-like-to-be-wrong-drewbrowne-modern-small-business-blog.jpg) ](https://sapience.com.au/blog/modern-small-business/what-does-it-feel-like-to-be-wrong "What does it feel like to be wrong?") ##  [ What does it feel like to be wrong? ](https://sapience.com.au/blog/modern-small-business/what-does-it-feel-like-to-be-wrong)

### Learning how to think better in a team decision environment depends upon this skill

For a small business owner whose competitive advantage is their ability to out-think the competition, this is a problem we need to understand better.

And it starts with learning how to think better in a team decision environment. Never just trust your gut.

- [ 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/what-does-it-feel-like-to-be-wrong)

  [ ![A person holding a large cardboard sign with the word donation displaying written in black crayon](https://sapience.com.au/images/blog/leadership/give-with-your-head-more-than-your-heart-drew-browne-modern-small-business-blog.jpg) ](https://sapience.com.au/blog/modern-small-business/give-with-your-head-more-than-your-heart "Give with your head more than your heart") ##  [ Give with your head more than your heart ](https://sapience.com.au/blog/modern-small-business/give-with-your-head-more-than-your-heart)

### Beware the rise of the 'Chugger' - (aka the dreaded 'Charity Mugger')

It’s official: Australians are the world’s most generous people.

A study by [Pro Bono Australia](https://probonoaustralia.com.au/) showed we’re the most generous people in the world followed by Ireland, then Canada and then New Zealand. Overall, 76% of Australians had given money to a good cause in the past month, 67% had helped a stranger, and more than a third had volunteered their time to a cause.

Our approach to generosity is even enshrined in one of our favourite idioms, ‘Everyone deserves a fair go’.

Anything else would be, well, un-Australian.

- [ 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/give-with-your-head-more-than-your-heart)

  [ ![A photo at dusk of the long range launch of a rocket in the distance framed boy overhead trees wall reflected in water below](https://sapience.com.au/images/blog/leadership/who-is-invested-in-your-business-drewbrowne-modern-small-business.jpg) ](https://sapience.com.au/blog/modern-small-business/whos-invested-in-your-business "Whos invested in your business?") ##  [ Whos invested in your business? ](https://sapience.com.au/blog/modern-small-business/whos-invested-in-your-business)

### Launching a new idea, new business, new brand — you're trading money for ownership

Watching the launch of a NASA space rocket burn through 80% of its fuel on take-off, just to get off the launch pad, always reminds me of just how much effort is required to launch a business successfully.

The shared determination and the alignment of all involved will be reflected in the success of the launch—or the disaster that misalignment can bring later.

- [ 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/whos-invested-in-your-business)

1. [ 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)
2. [ What does it mean you have to spend money to make money?](https://sapience.com.au/blog/modern-small-business/what-does-it-mean-you-have-to-spend-money-to-make-money)
3. [ What happens when the dominos begin to fall in a business?](https://sapience.com.au/blog/modern-small-business/what-happens-when-the-dominos-begin-to-fall-in-a-business)
4. [ How much money does your business owe you?](https://sapience.com.au/blog/modern-small-business/how-much-money-does-your-business-owe-you)
5. [ The 7 Personality traits responsible for 85% of your success](https://sapience.com.au/blog/modern-small-business/the-7-personality-traits-responsible-for-85-of-your-success)
6. [ What a 9 year old boy taught me about courage](https://sapience.com.au/blog/modern-small-business/what-a-9-year-old-boy-taught-me-about-courage)
7. [ How to protect your business from the natural habits you don’t know you have](https://sapience.com.au/blog/modern-small-business/how-to-protect-your-business-from-the-natural-habits-you-dont-know-you-have)

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

 Page 43 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"
        }
    ]
}
```