--- title: "Six key insights to greater success with money - Sapience Financial" description: "Learn why everyone isn't wealthy despite the allure of quick wealth schemes. Find out the essential ingredients for success, the value of education, the need for professional guidance, and the importance of keeping an open mindset for change." url: "https://sapience.com.au/blog/six-key-insights-to-greater-success-with-money" date: "2026-05-26T18:23:26+00:00" language: "en-GB" --- # Six key insights to greater success with money - 🏠 Wealth Builders & Home Finance - [ money habits ](https://sapience.com.au/all-tags/money-habits) - [ money talk ](https://sapience.com.au/all-tags/money-talk) - [ mindset ](https://sapience.com.au/all-tags/mindset) - [ 🏠 Wealth Builders & Home Finance ](https://sapience.com.au/insights/wealth-builders-home-finance) ![homeless person with cardboard sign](https://sapience.com.au/images/blog/Six-key-insights-to-greater-success-with-money-sapience-financial.jpg) Get used to seeking good guidance and advice, so you can profit some someone's else's expertise and hard work Reading Time: 7 minutes --- ### Many people ask us what can they do to accelerate their personal wealth and how to get better at life faster. This leads to the same conversation about concerns for their kids and how they will need to face more complex issues than the generation before them. #### *Read in this article* 1. [The problem of taking a passive or DIY approach to life and getting ahead](https://sapience.com.au/blog/six-key-insights-to-greater-success-with-money#the-problem-of-taking-a-passive-or-diy-approach-to-life-and-getting-ahead) 2. [Six keys to building greater success with money](https://sapience.com.au/blog/six-key-insights-to-greater-success-with-money#six-keys-to-building-greater-success-with-money) 3. [Why isn’t everyone wealthy when it looks so easy? Why do so many people fall victim to internet scams and why is there so much free information about how effortless it is to become wealthy fast? Maybe if it sounds too good to be true, it probably is.](https://sapience.com.au/blog/six-key-insights-to-greater-success-with-money#why-isnt-everyone-wealthy-when-it-looks-so-easy-why-do-so-many-people-fall-victim-to-internet-scams-and-why-is-there-so-much-free-information-about-how-effortless-it-is-to-become-wealthy-fast-maybe-if-it-sounds-too-good-to-be-true-it-probably-is) 1. [1. The one essential ingredient common to all](https://sapience.com.au/blog/six-key-insights-to-greater-success-with-money#section-1-the-one-essential-ingredient-common-to-all) 2. [2. Educate yourself and be prepared to spend time and money to invest in your education](https://sapience.com.au/blog/six-key-insights-to-greater-success-with-money#section-2-educate-yourself-and-be-prepared-to-spend-time-and-money-to-invest-in-your-education) 3. [3. You need an adviser or coach to help accelerate your success](https://sapience.com.au/blog/six-key-insights-to-greater-success-with-money#section-3-you-need-an-adviser-or-coach-to-help-accelerate-your-success) 4. [4. Surround yourself with bigger thinkers - proximity is power](https://sapience.com.au/blog/six-key-insights-to-greater-success-with-money#section-4-surround-yourself-with-bigger-thinkers-proximity-is-power) 5. [5. Identify the important areas in your life and put a bigger thinker into that space to help you see what you cannot see](https://sapience.com.au/blog/six-key-insights-to-greater-success-with-money#section-5-identify-the-important-areas-in-your-life-and-put-a-bigger-thinker-into-that-space-to-help-you-see-what-you-cannot-see) 6. [6. Keep your mindset open to change, whatever your age](https://sapience.com.au/blog/six-key-insights-to-greater-success-with-money#section-6-keep-your-mindset-open-to-change-whatever-your-age) 4. [Frequently Asked Questions: Accelerating Your Wealth](https://sapience.com.au/blog/six-key-insights-to-greater-success-with-money#frequently-asked-questions-accelerating-your-wealth) 1. [Why is 'Time' the most essential ingredient for wealth?](https://sapience.com.au/blog/six-key-insights-to-greater-success-with-money#why-is-time-the-most-essential-ingredient-for-wealth) 2. [How does a financial coach 'compress time'?](https://sapience.com.au/blog/six-key-insights-to-greater-success-with-money#how-does-a-financial-coach-compress-time) 3. [What is the risk of 'Free Advice'?](https://sapience.com.au/blog/six-key-insights-to-greater-success-with-money#what-is-the-risk-of-free-advice) 4. [Why should I prioritize a digitally literate adviser?](https://sapience.com.au/blog/six-key-insights-to-greater-success-with-money#why-should-i-prioritize-a-digitally-literate-adviser) 5. [How do I start redefining my 'New Normal'?](https://sapience.com.au/blog/six-key-insights-to-greater-success-with-money#how-do-i-start-redefining-my-new-normal) Our response normally starts with our core philosophy. > Get good guidance, make good decisions, be good at life. Our ability to change is what makes us human. The decision to change is what makes us successful ### The problem of taking a passive or DIY approach to life and getting ahead Taking a DIY approach to your finances, investing or growing a business is the slow and unpredictable way. The only way you can accelerate the growth of your wealth and get ahead is by learning from others and their mistakes and successes. Unless you have a bottomless bank account and an abundance of stress-free time, you need to change your current thinking, learn new skills and mindsets and leverage your education. ### Six keys to building greater success with money ### Why isn’t everyone wealthy when it looks so easy? Why do so many people fall victim to internet scams and why is there so much free information about how effortless it is to become wealthy fast? Maybe if it sounds too good to be true, it probably is. #### 1. The one essential ingredient common to all Regardless of where you may be on your wealth journey, the one common denominator that connects us all is the need for *time and stability*. Time for our education to complete, time to gain more experience, time for our income to increase. More time for our investment property to increase in value and more time for shares and stock market investments to weather the inevitable fluctuations that seem to occur in the markets. #### 2. Educate yourself and be prepared to spend time and money to invest in your education Get used to talking with professionals and how to seek advice. Good advice has a process and logic to it. If someone can’t explain it to you simply, they probably haven’t mastered that particular skill sufficiently yet. Be careful of who you take advice. You need to recognise that people are often affected by a number of interconnected issues that can distort how they see the opportunities about them. Limited qualifications and experience, people's mindsets, beliefs, attitudes, connections and outlook all affect our understanding of protecting, providing and creating wealth. A bank employee probably may have an academic understanding of some small business risks but usually, lacks the practical experience to connect with a small business owner or their family. > The most expensive advice is free advice from an ill-informed person #### 3. You need an adviser or coach to help accelerate your success When it comes to a haphazard DIY approach to anything important, there is a very real risk that you'll lose time and expose yourself to self-mistakes learning. Good advice from a professional who knows the environment you need to excel in, can compress time for you to get results faster. #### 4. Surround yourself with bigger thinkers - proximity is power In practical terms, you'll benefit from some form of relationship with a financial adviser. Surround yourself with people further along the journey than yourself. We believe that people become like the people they hang out with, listen to and connect to. Maybe it’s time to stop to rethink and redefine what your definition of normal is. > Everything you know you need to learn from somewhere or someone #### 5. Identify the important areas in your life and put a bigger thinker into that space to help you see what you cannot see Sometimes a 'little bit of knowledge' can do you more damage than good and unwinding a problem usually takes longer than avoiding one. This is especially important if you’re an overly analytical person as it adds to the lag time delay in your decision making. #### 6. Keep your mindset open to change, whatever your age > So much of our advice actually looks like education We suggest you only use an adviser who has been in business for at least 5 years and who will be in business for the next 10 years. Choose a mobile and digitally literate adviser with up-to-date electronic capacity; one who can Skype with you when you need it and who can txt and email as required (rather than one who you need to take a day off work to go and see at the corporate office). A low tech adviser may suggest that they won’t be there for the long term as evidenced by their lack of investment in their education and digital literacy and leadership. > If change is happening on the outside faster than on the inside, your end is in sight - Jack Welsh former CEO General Electric If you want to get better at life and money, never seek to stay the smartest person in the room. Your income and your thinking usually become the average of the 5 key people in your life. Maybe it's time to pause and redefine what you want from life and what the new normal should look like for you, your family, and your business. --- ### Frequently Asked Questions: Accelerating Your Wealth #### Why is 'Time' the most essential ingredient for wealth? Whether you are investing in property, shares, or your own business, the mathematical driver of success is **Compound Interest**. The formula for future value ($A$) proves that time ($n$) is the exponent that creates the growth curve: $$A = P(1 + r)^n$$ In 2026, many fall for "get rich fast" scams, but real wealth requires the stability to stay in the market long enough for the exponent to work its magic. Delaying your start by just a few years can cost you millions in lost future capital. #### How does a financial coach 'compress time'? A "DIY" learner must pay for their education in both money and **Time** through mistakes. An adviser provides an "Institutional" shortcut by identifying the blind spots you cannot see. By avoiding a single $100k mistake or an inefficient tax structure, you effectively buy back years of your life that would have been spent recovering from those errors. #### What is the risk of 'Free Advice'? As the insight states: *"The most expensive advice is free advice from an ill-informed person."* Free advice (from family, friends, or "fin-fluencers") often lacks the clinical logic and regulatory accountability of a professional. If a strategy can't be explained simply through a proven process, it is likely a gamble, not a plan. #### Why should I prioritize a digitally literate adviser? A **Sovereign** adviser in 2026 is mobile and tech-enabled. If an adviser hasn't invested in their own digital literacy and remote-access capacity (using tools like Zoom/Skype and secure portals), it suggests they are not planning to be in the business for the long term. You need a partner who will be there for the next 10–20 years of your journey. #### How do I start redefining my 'New Normal'? It begins with **Absolute** honesty about your current peer group. If you are the smartest person in the room, you are in the wrong room. Redefining your normal requires identifying the "Important Areas" (Business, Family, Health) and intentionally placing bigger thinkers into those spaces to challenge your current mindset. *Disclaimer: Financial success requires a long-term commitment to a documented strategy. In 2026, the complexity of global markets and digital scams makes professional proximity a baseline requirement for safety. For a clinical audit of your financial "Why," we recommend a [confidential consultation](https://sapience.com.au/contact).* **Do we sound like the type of people you'd like to do business with?** Call us today on 1300 137 403 or email us [here](https://sapience.com.au/index.php?Itemid=704) for a no-obligation private chat about your situation. --- ![author pic drew browne](https://sapience.com.au/images/author-pic/contact-drew-browne-advisor-sapience-financial.jpg)**Drew Browne** is a specialty Financial Risk Advisor working with Small Business Owners & their Families, Dual Income Professional Couples, and diverse families. He's an award-winning writer, speaker, financial adviser and business strategy mentor. His business Sapience Financial Group is committed to using business solutions for good in the community. In 2015 he was certified as a B Corp., and in 2017 was recognised in the inaugural Australian National Businesses of Tomorrow Awards. Today he advises Small Business Owners and their families, on how to protect themselves, from their businesses. He writes for successful Small Business Owners and Industry publications. You can read his Modern Small Business Leadership Blog [here](https://sapience.com.au/index.php?Itemid=1267). You can connect with him on [LinkedIn](https://www.linkedin.com/in/drewbrowne/). Any information provided is general advice only and we have not considered your personal circumstances. Before making any decision on the basis of this advice you should consider if the advice is appropriate for you based on your particular circumstance. ![Written by Human Not made by AI sapience financial ](https://sapience.com.au/images/icons/not-made-by-AI-sapience-financial-black.png) ## Schema ```json { "@context": "https://schema.org", "@graph": [ { "@type": "BlogPosting", "@id": "https://sapience.com.au/blog/six-key-insights-to-greater-success-with-money#blogposting", "mainEntityOfPage": { "@type": "WebPage", "@id": "https://sapience.com.au/blog/six-key-insights-to-greater-success-with-money" }, "headline": "Six Key Insights to Greater Success with Money: The 2026 Sovereign Framework", "description": "Stop taking a DIY approach to your wealth. 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