--- 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=9" date: "2026-06-25T09:21:37+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) --- [ ![Australian passport coffee and tim tam chocolate biscuits ](https://sapience.com.au/images/blog/intro-better-than-a-tim-tam-biscuit-sapience-financial.jpg) ](https://sapience.com.au/blog/better-than-a-tim-tam-and-why-aussie-tpd-and-income-protection-are-world-beaters "Better than a Tim Tam and Why Aussie TPD and Income Protection are World-Beaters") ## [ Better than a Tim Tam and Why Aussie TPD and Income Protection are World-Beaters ](https://sapience.com.au/blog/better-than-a-tim-tam-and-why-aussie-tpd-and-income-protection-are-world-beaters) --- ### Are you one of the 100,000+ people waiting for Australian Permanent Residency to be granted? You have found the house, the job, and the perfect local cafe, but until that permanent residency email finally arrives, your financial security might be sitting in a departure lounge with its bags packed. - [ income protection ](https://sapience.com.au/all-tags/income-protection) - [ real life stories ](https://sapience.com.au/all-tags/real-life-stories) - [ 🛡️ Specialist Risk & Insurance ](https://sapience.com.au/insights/specialist-risk-insurance) [ Read more … ](https://sapience.com.au/blog/better-than-a-tim-tam-and-why-aussie-tpd-and-income-protection-are-world-beaters) [ ![the power of grandma's lolly jar](https://sapience.com.au/images/blog/intro-the-scar-tissue-of-shell-be-right-why-later-is-a-biological-lie-sapience-financial.jpg) ](https://sapience.com.au/blog/the-scar-tissue-of-shell-be-right-why-later-is-a-biological-lie "The Scar Tissue of 'She’ll Be Right' and Why Later is a Biological Lie") ## [ The Scar Tissue of 'She’ll Be Right' and Why Later is a Biological Lie ](https://sapience.com.au/blog/the-scar-tissue-of-shell-be-right-why-later-is-a-biological-lie) --- ### The Lolly-Jar Diversion: Why Your Parents Are Using Your Children to Avoid Their Legacy Questions It's a standard scene in lounge rooms across Australia. You’re visiting your parents, perhaps helping them clear out a cupboard, move something to the garage or showing them how to use a new app. They sneak some lollies to the grandkids, you ask them not to, they ignore you with the all knowing smile. - [ modern estate planning ](https://sapience.com.au/all-tags/modern-estate-planning) - [ 🛡️ Specialist Risk & Insurance ](https://sapience.com.au/insights/specialist-risk-insurance) [ Read more … ](https://sapience.com.au/blog/the-scar-tissue-of-shell-be-right-why-later-is-a-biological-lie) [ ![A business partnership that no longer works for both parties](https://sapience.com.au/images/blog/intro-starting-a-business-with-another-heres-your-homework-sapience-financial.jpg) ](https://sapience.com.au/blog/starting-a-business-with-another-heres-your-homework "Starting a Business with another? Here's your Homework") ## [ Starting a Business with another? Here's your Homework ](https://sapience.com.au/blog/starting-a-business-with-another-heres-your-homework) --- ### Don't Let a Great Partnership End in a Bad Divorce Starting a business with a partner is a lot like marriage. In the beginning, there is plenty of 'romance' - the shared vision, the complementary skills, the excitement of pooling resources, and the comfort of knowing someone else is in the foxhole with you. You’re building something together, and the upside is massive. - [ 🤝 Small Business Risk & Partnership ](https://sapience.com.au/insights/small-business-risk-partnership) [ Read more … ](https://sapience.com.au/blog/starting-a-business-with-another-heres-your-homework) [ ![The human brains dual decision making process neuro metro line](https://sapience.com.au/images/blog/the-0-08-second-glitch-why-your-brain-is-faster-than-your-bank-account.jpg) ](https://sapience.com.au/blog/the-0-08-second-glitch-why-your-brain-is-faster-than-your-bank-account "The 0.08-Second Glitch: Why Your Brain is Faster Than Your Bank Account") ## [ The 0.08-Second Glitch: Why Your Brain is Faster Than Your Bank Account ](https://sapience.com.au/blog/the-0-08-second-glitch-why-your-brain-is-faster-than-your-bank-account) - ![](https://sapience.com.au/images/LGC/stamps/lgc-archive-logo-02.svg) ### Why your survival instincts are consistently outrunning your financial intelligence --- Have you ever sat down to look at your life insurance renewal or collect the details to make your Will, only to find yourself suddenly checking your phone, sending a quick txt or making a coffee two minutes later? You probably told yourself you were just procrastinating or that you weren't 'in the right headspace', yet. Here's the sobering truth about this avoidance pattern: You aren't lazy. You're just being outrun by your own biology. - [ 0.42s Gap ](https://sapience.com.au/all-tags/0-42s-gap) - [ Red Line Reaction ](https://sapience.com.au/all-tags/redlinereaction) - [ Green Line Logic ](https://sapience.com.au/all-tags/green-line-logic) - [ 🧠 Evolutionary Finance ](https://sapience.com.au/insights/evolutionary-finance) [ Read more … ](https://sapience.com.au/blog/the-0-08-second-glitch-why-your-brain-is-faster-than-your-bank-account) [ ![Japanese art of Kintsugi repairing the most precious of broken items with gold](https://sapience.com.au/images/blog/intro-kintsugi-book-research-participant-call-sapience-financial.jpg) ](https://sapience.com.au/book-research-participant-call "Share Your Story (Anonymously)") ## [ Share Your Story (Anonymously) ](https://sapience.com.au/book-research-participant-call) The No Will Research Project Have you lived through the chaos of a loved one dying without a Will? ### Silence Doesn’t Fix the Chaos ... But Your Story Might. Turn your experience into a survival guide for other Australian families. I am writing the book, Life's Great Conversations to help cure a silent epidemic I call 'Atestacy'—simply, the state of living without a plan. - [ modern estate planning ](https://sapience.com.au/all-tags/modern-estate-planning) - [ ⚖️ Estate Law & Succession Planning ](https://sapience.com.au/insights/estate-law-succession) [ Read more … ](https://sapience.com.au/book-research-participant-call) [ ![Kitchen plastic container organisational bliss](https://sapience.com.au/images/blog/intro-art-of-productive-panic-sapience-financial.jpg) ](https://sapience.com.au/blog/the-art-of-productive-panic "The Art of Productive Panic") ## [ The Art of Productive Panic ](https://sapience.com.au/blog/the-art-of-productive-panic) --- ### Or Why Your Tupperware Cupboard is Suddenly Immaculate It's that strange time of year. The relatives have gone home. The ham is finally finished. And you are standing in your kitchen at 11 am, staring at the floor. You have mopped and vacuumed it three times. You have scrubbed the grout. If a forensic team from a crime lab swept your lounge room right now, they wouldn’t be able to prove you even owned a dog. - [ modern estate planning ](https://sapience.com.au/all-tags/modern-estate-planning) - [ Success Mindsets ](https://sapience.com.au/all-tags/success-mindsets) - [ 🧠 Evolutionary Finance ](https://sapience.com.au/insights/evolutionary-finance) [ Read more … ](https://sapience.com.au/blog/the-art-of-productive-panic) 1. [ Why Your Brain Would Rather Eat a Cookie Than Sign Your Will (And Why That’s Actually Fine)](https://sapience.com.au/blog/why-your-brain-would-rather-eat-a-cookie-than-sign-your-will-and-why-thats-actually-fine) 2. [ The Ghost of Business Future (Why We Get Ebenezer Scrooge Wrong)](https://sapience.com.au/blog/the-ghost-of-business-future-and-why-we-get-ebenezer-scrooge-wrong) 3. [ Invisible Burdens of Widowhood That Most Men Overlook](https://sapience.com.au/blog/invisible-burdens-of-widowhood-that-most-men-overlook) 4. [ Can I Get Income Protection while living with Anxiety? The Realities of Underwriting](https://sapience.com.au/blog/can-i-get-income-protection-with-living-with-anxiety-the-realities-of-underwriting) 5. [ The Grudge Diagnostic](https://sapience.com.au/blog/the-grudge-diagnostic) 6. [ The Robot That Takes Your Money (And Why You Should Let It)](https://sapience.com.au/blog/the-robot-that-takes-your-money-and-why-you-should-let-it) 7. [ Love Isn't Enough: Why the Law Treats Your Step-Children as Strangers](https://sapience.com.au/blog/love-isnt-enough-why-the-law-treats-your-step-children-as-strangers) ### [ Modern Small Business Leadership](https://sapience.com.au/blog/modern-small-business) Page 2 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" } ] } ```