---
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=264"
date: "2026-06-16T06:41:26+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)

---

  [ ![writing the word fragile on a cardboard moving box](https://sapience.com.au/images/blog/leadership/how-to-protect-your-business-from-the-natural-habits-you-dont-know-you-have-drewbrowne-modern-small-business-blog.jpg) ](https://sapience.com.au/blog/modern-small-business/how-to-protect-your-business-from-the-natural-habits-you-dont-know-you-have "How to protect your business from the natural habits you don’t know you have") ##  [ 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)

### There's a good reason why an invisible habit is hard to break

Life’s busy – no surprises there – so over time, we all develop habits and routines to help get stuff done, fast.

These decision-shortening processes continue to develop throughout our lifetime. It’s not long until we all develop our own *unconscious implicit bias* about people we like, situations we don’t, and how to see the world.

The result is regardless of how impartial we think we are, we all have implicit bias hiding in our subconscious.

The problem is what you don’t know can hurt you (and your business).

- [ 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/how-to-protect-your-business-from-the-natural-habits-you-dont-know-you-have)

  [ ![boxers in the boxing ring at the end of the game](https://sapience.com.au/images/blog/leadership/10-strategies-to-improve-your-mental-toughness-drewbrowne-modern-small-business-blog.jpg) ](https://sapience.com.au/blog/modern-small-business/10-strategies-to-improve-your-mental-toughness "10 Strategies to improve your mental toughness") ##  [ 10 Strategies to improve your mental toughness ](https://sapience.com.au/blog/modern-small-business/10-strategies-to-improve-your-mental-toughness)

### The one skill that leverages all other skills

There is one mental skill that leverages and amplifies all of our other skills and abilities.

It's **the ability to be present in the moment**.

Whether you're leading a business, a family or simply learning how to make better decisions based upon good sense and clear judgment – your ability to be present in that moment can be the difference between success and another poor decision.

- [ 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/10-strategies-to-improve-your-mental-toughness)

  [ ![A skilled fishmonger opening an oyster with a knife](https://sapience.com.au/images/blog/leadership/the-irritation-of-doing-good-in-business-drewbrowne-modern-small-business-blog.jpg) ](https://sapience.com.au/blog/modern-small-business/the-irritation-of-doing-good-in-business "The irritation of doing good in business") ##  [ The irritation of doing good in business ](https://sapience.com.au/blog/modern-small-business/the-irritation-of-doing-good-in-business)

### How much do motives matter?

### This business question has always irritated me

There are many ways to do good in business, just as there are many motivations for doing so.

So what qualifies as a good motive, a bad motive, or just a nice idea?

- [ 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/the-irritation-of-doing-good-in-business)

  [ ![black pin board with text Your Life Matters](https://sapience.com.au/images/blog/leadership/want-the-biggest-benefit-for-your-buck-now-you-are-thinking-like-a-philanthropist-drewbrowne-modern-small-business.jpg) ](https://sapience.com.au/blog/modern-small-business/want-the-biggest-benefit-for-your-buck-now-you-are-thinking-like-a-philanthropist "Want the biggest benefit for your buck? Now you're thinking like a philanthropist") ##  [ Want the biggest benefit for your buck? Now you're thinking like a philanthropist ](https://sapience.com.au/blog/modern-small-business/want-the-biggest-benefit-for-your-buck-now-you-are-thinking-like-a-philanthropist)

### Want the biggest benefit for your buck? Now you're thinking like a Philanthropist

Small Business Philanthropy - and it’s not about money

What comes to mind when you hear the word ‘philanthropy’?

Perhaps big businesses with big budgets and big personalities like Buffett, Gates, and 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)
- [ ethics ](https://sapience.com.au/all-tags/ethics)
- [ 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/want-the-biggest-benefit-for-your-buck-now-you-are-thinking-like-a-philanthropist)

  [ ![looking at a regional paper road map over coffee](https://sapience.com.au/images/blog/leadership/if-its-not-on-your-map-you-probably-wont-go-there-drewbrowne-modern-small-business-blog.jpg) ](https://sapience.com.au/blog/modern-small-business/if-its-not-on-your-map-you-probably-wont-go-there "If it's not on your map, you probably won't go there") ##  [ If it's not on your map, you probably won't go there ](https://sapience.com.au/blog/modern-small-business/if-its-not-on-your-map-you-probably-wont-go-there)

### Here's a funny thing about maps

*Tom Street* in the Sydney suburb of *Ermington* can be found on map 212 of the 2005 UBD Sydney Street Directory.

But you’ll have a problem trying to drive there; because it’s not actually there. A quick search of Google Maps satellite imaging confirms that it never was there.

**It’s a fake street.**

- [ 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/if-its-not-on-your-map-you-probably-wont-go-there)

  [ ![I loosely wound yellow fabric measuring tape](https://sapience.com.au/images/blog/leadership/measuring-the-value-of-a-business-course-when-is-enough-learning-enough-drewbrowne-modern-small-business-blog.jpg) ](https://sapience.com.au/blog/modern-small-business/measuring-the-value-of-a-business-course-when-is-enough-learning-enough "Measuring the value of a business course – when is enough learning, enough?") ##  [ Measuring the value of a business course – when is enough learning, enough? ](https://sapience.com.au/blog/modern-small-business/measuring-the-value-of-a-business-course-when-is-enough-learning-enough)

### When is enough learning, enough?

How often have you found yourself at a conference or training course only to find the only real usable value you’re taking home, is the value you created for yourself?

- [ 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/measuring-the-value-of-a-business-course-when-is-enough-learning-enough)

1. [ Pushy sales people, boundaries and the Crowned Prince of Nigeria](https://sapience.com.au/blog/modern-small-business/pushy-sales-people-boundaries-and-the-crowned-prince-of-nigeria)
2. [ First time Dad, first time Boss and the world looks different now](https://sapience.com.au/blog/modern-small-business/first-time-dad-first-time-boss-and-the-world-looks-different-now)
3. [ Jesus, long hair and how bias affects my business decisions](https://sapience.com.au/blog/modern-small-business/jesus-long-hair-and-how-bias-affects-my-business-decisions)
4. [ Diversity matters – is your website a little too white? ](https://sapience.com.au/blog/modern-small-business/diversity-matters-is-your-website-a-little-too-white)
5. [ When should a business express an opinion on a moral or social issue?](https://sapience.com.au/blog/modern-small-business/when-should-a-business-express-an-opinion-on-a-moral-or-social-issue)
6. [ Dissenters and trouble makers are not the same thing](https://sapience.com.au/blog/modern-small-business/dissenters-and-trouble-makers-are-not-the-same-thing)
7. [ The business case for becoming a present person](https://sapience.com.au/blog/modern-small-business/the-business-case-for-becoming-a-present-person)

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

 Page 45 of 49

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