--- 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=78" date: "2026-06-15T20:39:11+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) --- [ ![wife and husband taking a selfie in front of their family home](https://sapience.com.au/images/site-pics/intro-the-average-lifetime-cost-of-care-for-the-top-five-major-health-conditions-sapience-financial.jpg) ](https://sapience.com.au/blog/the-average-lifetime-cost-of-care-for-the-top-five-major-health-conditions "The Average Lifetime Cost of Care for the Top Five Major Health Conditions") ## [ The Average Lifetime Cost of Care for the Top Five Major Health Conditions ](https://sapience.com.au/blog/the-average-lifetime-cost-of-care-for-the-top-five-major-health-conditions) --- ### The average lifetime cost of care for the top Five Major Health Conditions ### As medical advances continue to make amazing advances that extend life, it's good news, — it's also expensive news. The good news is more Australians are living longer healthier lives. Our ability to recover from major illnesses is improving and our lifespans in retirement are becoming longer - presenting a new problem — the risk of outliving our superannuation and funding the [lifetime cost of care](https://sapience.com.au/index.php?Itemid=1044) for major medical conditions we all will face. - [ total & permanent disability (TPD) ](https://sapience.com.au/all-tags/total-permanent-disability-tpd) - [ crisis & trauma recovery insurance ](https://sapience.com.au/all-tags/crisis-trauma-recovery-insurance) - [ severity based insurance ](https://sapience.com.au/all-tags/severity-based-insurance) - [ cost to care ](https://sapience.com.au/all-tags/cost-to-care) - [ 🛡️ Specialist Risk & Insurance ](https://sapience.com.au/insights/specialist-risk-insurance) [ Read more … ](https://sapience.com.au/blog/the-average-lifetime-cost-of-care-for-the-top-five-major-health-conditions) [ ![basset hound holding onto a ball on a string](https://sapience.com.au/images/blog/intro-new-national-secure-document-storage-service-sapience-financial.jpg) ](https://sapience.com.au/blog/new-national-secure-document-storage-service "New National Secure Document Storage Service") ## [ New National Secure Document Storage Service ](https://sapience.com.au/blog/new-national-secure-document-storage-service) --- ### New National Secure Document Storage Service There are some important questions that will always need to be asked, and often at the time when you would rather not have to deal with the answers. This is why having a plan in place to answer them, just in case, makes these two questions easy to answer. (Not knowing the answers to these two questions only causes more grief and anxiety). These two uncomfortable questions will need to be asked every time at the passing of a loved one and are; - Do you know if a Will was ever made? - Do you know where the Will is stored? - [ Simple Wills ](https://sapience.com.au/all-tags/simple-wills) - [ key legal documents ](https://sapience.com.au/all-tags/key-legal-documents) - [ 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/new-national-secure-document-storage-service) [ ![egyption pharaoh sucofocus](https://sapience.com.au/images/blog/intro-the-curse-of-a-post-office-will-kit-sapience-financial.jpg) ](https://sapience.com.au/blog/the-curse-of-a-post-office-will-kit "The Curse of a Post Office Will Kit") ## [ The Curse of a Post Office Will Kit ](https://sapience.com.au/blog/the-curse-of-a-post-office-will-kit) --- ### The Curse of a Post Office Will Kit ### Voodoo, Gypsy Curses, Newsagency Will Kits, and other bad ideas For as long as we’ve told stories, we’ve told stories about curses. Often, they’re punishments, occasionally they’re strictly allegorical, sometimes they are hopeful, and sometimes they’re just plain bad luck. Mummy curses are relatively familiar to most people, followed by those more personalised ones pronounced by a Hattian Voodoo Priest. For the theatre lovers, the Shakespearean Macbeth comes to mind — so the story goes, a coven of witches objected to Shakespeare using real incantations, so they put a curse on the play — and who dare forget the curse of Tutankhamen's Tomb and of course, Indiana Jones and the Ark of the Covenant. - [ 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) - [ Mirror Wills ](https://sapience.com.au/all-tags/mirror-wills) - [ ⚖️ Estate Law & Succession Planning ](https://sapience.com.au/insights/estate-law-succession) [ Read more … ](https://sapience.com.au/blog/the-curse-of-a-post-office-will-kit) [ ![](https://sapience.com.au/images/blog/intro-when-to-arrange-intended-parent-and-ivf-surrogate-life-insurances-chart-sapience-financial.jpg) ](https://sapience.com.au/blog/when-to-arrange-intended-parent-and-ivf-surrogate-life-insurances-chart "When to arrange Intended Parent and IVF Surrogate Life Insurances chart") ## [ When to arrange Intended Parent and IVF Surrogate Life Insurances chart ](https://sapience.com.au/blog/when-to-arrange-intended-parent-and-ivf-surrogate-life-insurances-chart) --- ### Help for Intended Parents and IVF Surrogates – Life Insurances timeline Are you or a friend thinking about Growing Families through IVF? Are you considering using Altruistic Surrogacy? Planning for an assisted pregnancy can be exciting – and overwhelming. This is a wonderful time of stress, joy, hope, more stress, and more joy. Some might say it's a compressed version of modern family life anyway. - [ life insurance ](https://sapience.com.au/life-insurance/life-terminal-illness-insurance) - [ income protection ](https://sapience.com.au/all-tags/income-protection) - [ surrogacy ](https://sapience.com.au/all-tags/surrogacy) - [ intended parents ](https://sapience.com.au/all-tags/intended-parents) - [ IVF insurances ](https://sapience.com.au/all-tags/ivf-insurances) - [ 🛡️ Specialist Risk & Insurance ](https://sapience.com.au/insights/specialist-risk-insurance) [ Read more … ](https://sapience.com.au/blog/when-to-arrange-intended-parent-and-ivf-surrogate-life-insurances-chart) [ ![retiree and two grandchildren making crafts](https://sapience.com.au/images/blog/intro-is-it-time-to-upgrade-how-you-see-retirement-sapience-financial.jpg) ](https://sapience.com.au/blog/is-it-time-to-upgrade-how-you-see-retirement "Is it time to upgrade how you see Retirement?") ## [ Is it time to upgrade how you see Retirement? ](https://sapience.com.au/blog/is-it-time-to-upgrade-how-you-see-retirement) --- ### How we defined Retirement is changing, again The one constant in life is change; (and if you're about to retire in the next 10 years you ain't seen anything yet). Retirement is going to come to us all whether we like it or not - and whether we’re prepared for it or not. So it makes sense to keep an eye on what's happening in that space - if not for yourself, for your ageing friends and parents. - [ pre-retirement planning ](https://sapience.com.au/all-tags/pre-retirement-planning) - [ modern estate planning ](https://sapience.com.au/all-tags/modern-estate-planning) - [ mindset ](https://sapience.com.au/all-tags/mindset) - [ 🌳 Family, Legacy & Aging ](https://sapience.com.au/insights/family-legacy-aging) [ Read more … ](https://sapience.com.au/blog/is-it-time-to-upgrade-how-you-see-retirement) [ ![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-2022-23 "Federal Budget Summary 2022-23") ## [ Federal Budget Summary 2022-23 ](https://sapience.com.au/blog/federal-budget-summary-2022-23) --- ### Quick Federal Budget Summary for 2022-2023 ### The 2022-23 Federal Budget has a number of highlights relevant to many of our clients, friends, and supporters explored further below. - [ 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-2022-23) 1. [ Do you have a Company Power of Attorney in place?](https://sapience.com.au/blog/do-you-have-a-company-power-of-attorney-in-place) 2. [ Ever had friends or family constantly ask to borrow money?](https://sapience.com.au/blog/ever-had-friends-or-family-constantly-ask-to-borrow-money) 3. [ What are the signs it's time to update my Will?](https://sapience.com.au/blog/when-should-i-update-my-will) 4. [ The 'Numbers of Business' risk increases with the number of business partners](https://sapience.com.au/blog/the-numbers-of-business) 5. [ What are the odds of you needing to claim on your personal insurance?](https://sapience.com.au/blog/what-are-the-odds-of-you-needing-to-claim-on-your-personal-insurance) 6. [ Looking for a Business Partner?](https://sapience.com.au/blog/looking-for-a-business-partner) 7. [ Family Loan Agreements - a Precaution not a Plan](https://sapience.com.au/blog/family-loan-agreements-a-precaution-not-a-plan) ### [ Modern Small Business Leadership](https://sapience.com.au/blog/modern-small-business) Page 14 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" } ] } ```