---
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=45"
date: "2026-05-26T05:41:57+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/intro-bad-night-bad-romance-bad-super-binding-death-nomination-sapience-financial.jpg) ](https://sapience.com.au/blog/bad-night-bad-romance-bad-super-binding-death-nomination "Bad Night? Bad Romance? Bad Super Binding Death Nomination?") ##  [ Bad Night? Bad Romance? Bad Super Binding Death Nomination? ](https://sapience.com.au/blog/bad-night-bad-romance-bad-super-binding-death-nomination)

---

### "Can I break up with my de facto via SMS?"

When it came to $1,120,000 from a Super Binding Death Nomination, either way the court has said, ‘you can't end a de facto relationship over a TXT message' (sent to your sister)’.

- [ defactos ](https://sapience.com.au/all-tags/defactos)
- [ superannuation ](https://sapience.com.au/all-tags/superannuation)
- [ binding death nominations ](https://sapience.com.au/all-tags/binding-death-nominations)
- [ ⚖️ Estate Law & Succession Planning ](https://sapience.com.au/insights/estate-law-succession)

 [ Read more … ](https://sapience.com.au/blog/bad-night-bad-romance-bad-super-binding-death-nomination)

  [ ![](https://sapience.com.au/images/blog/intro-the-recipe-for-disaster-that-is-specific-gifts-in-wills-sapience-financial.jpg) ](https://sapience.com.au/blog/the-recipe-for-disaster-that-is-specific-gifts-in-wills "The recipe for disaster that is leaving Specific Gifts in Wills") ##  [ The recipe for disaster that is leaving Specific Gifts in Wills ](https://sapience.com.au/blog/the-recipe-for-disaster-that-is-specific-gifts-in-wills)

---

### "And to my family I bequeath all my worldly goods and chattels ..."

One of the most popular questions asked about making a Will document is, ‘Can I leave a specific gift, to one person and the remainder of my estate to be split equally between the remaining beneficiaries?’

- [ Wills ](https://sapience.com.au/all-tags/wills)
- [ Simple Wills ](https://sapience.com.au/all-tags/simple-wills)
- [ modern estate planning ](https://sapience.com.au/all-tags/modern-estate-planning)
- [ 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/the-recipe-for-disaster-that-is-specific-gifts-in-wills)

  [ ![](https://sapience.com.au/images/blog/intro-just-letting-you-know-we-are-moving-sapience-financial.jpg) ](https://sapience.com.au/blog/we-are-moving "Just to let you know, 'We're Moving' AFSLs") ##  [ Just to let you know, 'We're Moving' AFSLs ](https://sapience.com.au/blog/we-are-moving)

---

### To our Sapience Clients & Suppliers

In the first week of September, we're starting with a New AFSL Licensee to serve you better.

- [ Housekeeping ](https://sapience.com.au/all-tags/housekeeping)
- [ 📰 Sapience General Archive ](https://sapience.com.au/insights/sapience-general-archive)

 [ Read more … ](https://sapience.com.au/blog/we-are-moving)

  [ ![](https://sapience.com.au/images/blog/intro-when-do-you-need-a-company-power-of-attorney-sapience-financial.jpg) ](https://sapience.com.au/blog/when-do-you-need-a-company-power-of-attorney "When do you need a Company Power of Attorney?") ##  [ When do you need a Company Power of Attorney? ](https://sapience.com.au/blog/when-do-you-need-a-company-power-of-attorney)

---

### A simple question for Business Owners and SMSF Trustees

Do you run a business under a company structure? Are you the sole director or shareholder? Perhaps you're the sole director and shareholder of a company acting as a Corporate Trustee for a Self-Managed Super Fund (SMSF)?

If you have answered 'Yes' to either of these questions, chances are, you absolutely need a [Company Power of Attorney](https://sapience.com.au/index.php?Itemid=841).

- [ power of attorney ](https://sapience.com.au/all-tags/power-of-attorney)
- [ managing small business risks ](https://sapience.com.au/all-tags/managing-small-business-risks)
- [ company power of attorney ](https://sapience.com.au/all-tags/company-power-of-attorney)
- [ key legal documents ](https://sapience.com.au/all-tags/key-legal-documents)
- [ ⚖️ Estate Law & Succession Planning ](https://sapience.com.au/insights/estate-law-succession)

 [ Read more … ](https://sapience.com.au/blog/when-do-you-need-a-company-power-of-attorney)

  [ ![](https://sapience.com.au/images/blog/intro-when-home-is-not-the-safest-place.jpg) ](https://sapience.com.au/blog/when-home-is-not-the-safest-place "When Home is Not the Safest Place") ##  [ When Home is Not the Safest Place ](https://sapience.com.au/blog/when-home-is-not-the-safest-place)

---

### Accidents happen - everywhere

The latest injury statistics are in; and they’re a stark reminder accidents can happen anywhere.

As most serious accidents are now less likely to happen at work, it's even more important to have your own disability insurance policy and income protection, in place to cover you at home.

- [ income protection ](https://sapience.com.au/all-tags/income-protection)
- [ total & permanent disability (TPD) ](https://sapience.com.au/all-tags/total-permanent-disability-tpd)
- [ workers compensation ](https://sapience.com.au/all-tags/workers-compensation)
- [ 🛡️ Specialist Risk & Insurance ](https://sapience.com.au/insights/specialist-risk-insurance)

 [ Read more … ](https://sapience.com.au/blog/when-home-is-not-the-safest-place)

  [ ![telescope on ship ](https://sapience.com.au/images/blog/intro-federal-budget-summary-2018-19-sapience-financial.jpg) ](https://sapience.com.au/blog/federal-budget-summary-2024-25 "Federal Budget Summary 2024-25") ##  [ Federal Budget Summary 2024-25 ](https://sapience.com.au/blog/federal-budget-summary-2024-25)

---

### Quick Federal Budget Summary for 2024-2025

### The 2024-25 Federal Budget has a number of highlights relevant to many of our clients, friends, and supporters explored further below.

Here are some important things about taxes and retirement savings from the Budget that can help people and businesses plan their finances.

- [ federal budet highlights ](https://sapience.com.au/all-tags/federal-budet-highlights)
- [ 📰 Sapience General Archive ](https://sapience.com.au/insights/sapience-general-archive)

 [ Read more … ](https://sapience.com.au/blog/federal-budget-summary-2024-25)

1. [ Can you be disqualified from running an SMSF?](https://sapience.com.au/blog/can-you-be-disqualified-from-running-an-smsf)
2. [ What happens to my government HECS or HELP Debt when I die?](https://sapience.com.au/blog/what-happens-to-my-government-hecs-or-help-debt-when-i-die)
3. [ Plan on leaving a meaningful inheritance, not a nightmare](https://sapience.com.au/blog/plan-on-leaving-a-meaningful-inheritance-not-a-nightmare)
4. [ Test your Christmas Trivia Skills in 2023!](https://sapience.com.au/blog/christmas-trivia-2023)
5. [ Challenges mount for SMSF Auditors: A Tough Year Turns Tougher Ahead](https://sapience.com.au/blog/challenges-mount-for-smsf-auditors-a-tough-year-turns-tougher-ahead)
6. [ Everyone needs to know more about Diabetes](https://sapience.com.au/blog/everyone-needs-to-know-more-about-diabetes)
7. [ Save your First Home Deposit Faster with the First Home Super Saver Scheme (FHSS)](https://sapience.com.au/blog/save-your-first-home-deposit-faster-with-the-first-home-super-saver-scheme)

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

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