---
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=282"
date: "2026-06-18T08:27:14+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)

---

  [ ![boardgame dice](https://sapience.com.au/images/blog/leadership/life-is-a-lot-like-a-game-of-snakes-and-ladders-drewbrowne-modern-small-business-blog.jpg) ](https://sapience.com.au/blog/modern-small-business/business-life-is-a-lot-like-a-game-of-snakes-and-ladders "Business life is a lot like a game of snakes and ladders") ##  [ Business life is a lot like a game of snakes and ladders ](https://sapience.com.au/blog/modern-small-business/business-life-is-a-lot-like-a-game-of-snakes-and-ladders)

### Do you have to be brave or be safe?

The Snakes and Ladders board game has been a traditional favourite for thousands of years. Like all good board games played with dice and others, it’s a game of chance.

- [ 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/business-life-is-a-lot-like-a-game-of-snakes-and-ladders)

  [ ![stacks of paper coffee cups at a cafe](https://sapience.com.au/images/blog/leadership/budgeting-for-big-picture-people-drewbrowne-modern-small-business-blog.jpg) ](https://sapience.com.au/blog/modern-small-business/budgeting-for-big-picture-people "Budgeting for Big Picture People") ##  [ Budgeting for Big Picture People ](https://sapience.com.au/blog/modern-small-business/budgeting-for-big-picture-people)

### Budgeting for Big Picture People

It's not the amount, it’s the percentages that count

There are some numbers in life you should always remember. Your PIN numbers, your spouse's birthday, (maybe your mother-in-law's birthday), the number of children you have, their birthdays, and quite possibly the annual date for the football grand final.

- [ 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)
- [ 🏠 Wealth Builders & Home Finance ](https://sapience.com.au/insights/wealth-builders-home-finance)

 [ Read more … ](https://sapience.com.au/blog/modern-small-business/budgeting-for-big-picture-people)

  [ ![human service robot with big eyes](https://sapience.com.au/images/blog/leadership/what-do-you-mean-i-have-to-come-back-to-the-office-to-work-drew-browne-modern-small-business-blog.jpg) ](https://sapience.com.au/blog/modern-small-business/what-do-you-mean-i-have-to-come-back-to-the-office-to-work "What do you mean I have to come back to the office to work?") ##  [ What do you mean I have to come back to the office to work? ](https://sapience.com.au/blog/modern-small-business/what-do-you-mean-i-have-to-come-back-to-the-office-to-work)

### The new problem of liking working from home (WFH)

When it comes to building robots that look uncannily similar to humans in facial appearance, the end result usually makes even the most stoic of people uncomfortable, and simply creeps us out. Our sense of being uniquely human is core to our understanding of self, our personal autonomy and our sense of innate value.

Robots purposely made to look a little too human, seem to violate that sensibility.

- [ 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-do-you-mean-i-have-to-come-back-to-the-office-to-work)

  [ ![smiling face behind a green stickly note with as smiling face drawn in black ink](https://sapience.com.au/images/blog/leadership/the-psychology-of-good-decisions-and-sticky-notes-sapience-modern-small-business.jpg) ](https://sapience.com.au/blog/modern-small-business/the-psychology-of-good-decisions-and-sticky-notes "The psychology of good decisions and sticky notes") ##  [ The psychology of good decisions and sticky notes ](https://sapience.com.au/blog/modern-small-business/the-psychology-of-good-decisions-and-sticky-notes)

### Understanding the psychology of making good decisions

Ask many men ‘how they are feeling’ and they'll tell you ‘how they are thinking’ - because they don't understand the question.

The problem we face traditionally as men is, ‘How you think determines how you make decisions, so what determines how you think has a more direct and measurable impact upon your business then you may first, well, ‘Think’.

So how do we improve the quality and speed of the decisions we’re making every day, while decreasing decision overload? How do we know if we’re building the right service or product? – Such questions fundamentally come down to the quality of our decisions.

- [ 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/the-psychology-of-good-decisions-and-sticky-notes)

  [ ![shocked young lady reading](https://sapience.com.au/images/blog/leadership/taking-the-c-word-out-of-social-responsibility-drewbrowne-modern-small-business-sapience-modern-small-business-blog.jpg) ](https://sapience.com.au/blog/modern-small-business/taking-the-c-word-out-of-social-responsibility "Taking the 'C word' out of social responsibility") ##  [ Taking the 'C word' out of social responsibility ](https://sapience.com.au/blog/modern-small-business/taking-the-c-word-out-of-social-responsibility)

### Surprise: Small Businesses are not just small corporations

Modern Small Businesses are not miniature versions of big business or large **corporate** organisations. And using the 'C word' in small business never gets you very far in the right direction.

Trying to apply the dysfunctional processes and slow responding mindsets of corporates to a Modern Small Business doesn’t work.

So how relevant is Corporate Social Responsibility (CSR) to Small Businesses?

- [ 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/taking-the-c-word-out-of-social-responsibility)

  [ ![arms reaching up to the stars on a clear night](https://sapience.com.au/images/blog/leadership/purpose-is-not-everything-but-it-beats-everything-else-drewbrowne-modern-small-business-blog.jpg) ](https://sapience.com.au/blog/modern-small-business/purpose-isnt-everything-but-it-beats-everything-else "Purpose isn’t everything, but it beats everything else") ##  [ Purpose isn’t everything, but it beats everything else ](https://sapience.com.au/blog/modern-small-business/purpose-isnt-everything-but-it-beats-everything-else)

### Following your north-star in a very crowded world

Do you ever get the feeling that time is speeding up?

The major transitions in human history have been driven by the need to domesticate cattle and plants, the large-scale mechanisation of jobs; and now the immediate dissemination of information around the world upon demand.

With the arrival of each new age, the speed of change has left us wondering, where is this all going?

- [ 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/purpose-isnt-everything-but-it-beats-everything-else)

1. [ Patronus spells and the growing awareness nobody is coming to rescue you](https://sapience.com.au/blog/modern-small-business/patronus-spells-and-the-growing-awareness-nobody-is-coming-to-rescue-you)
2. [ 10 Habits to make personal growth automatic](https://sapience.com.au/blog/modern-small-business/10-habits-to-make-personal-growth-automatic)

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

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