--- title: "Search Blog by Month - Sapience Financial" description: "search our Sapience Financial archive of Blog Articles by month written" url: "https://sapience.com.au/resources/search-blog-articles-by-month?layout=blog&start=24" date: "2026-06-24T10:24:50+00:00" language: "en-GB" --- [ ![a middle aged women looking at the rental statement](https://sapience.com.au/images/blog/intro-the-unseen-retirement-crisis-why-your-home-is-more-than-just-a-roof-over-your-head-sapience-financial.jpg) ](https://sapience.com.au/blog/the-unseen-retirement-crisis-why-your-home-is-more-than-just-a-roof-over-your-head "The Unseen Retirement Crisis: Why Your Home is More Than Just a Roof Over Your Head") ## [ The Unseen Retirement Crisis: Why Your Home is More Than Just a Roof Over Your Head ](https://sapience.com.au/blog/the-unseen-retirement-crisis-why-your-home-is-more-than-just-a-roof-over-your-head) --- ### Your Biggest Retirement Asset Isn't Your Super. Are You Protecting It? Here is a warning from The **Grattan Institute** 2025 report - *Renting in Retirement report: Why Rent Assistance Needs to Rise*. "Most retirees who rent, live in poverty, including more than three and four single women, and this problem is set to get worse… few Australians who rent are saving enough to cover the cost of renting in retirement. As a result, today’s low income renters are likely to become tomorrow struggling renters in retirement…’ - Grattan Institute. - [ total & permanent disability (TPD) ](https://sapience.com.au/all-tags/total-permanent-disability-tpd) - [ inheritance management ](https://sapience.com.au/all-tags/inheritance-management) - [ Housing affordability ](https://sapience.com.au/all-tags/housing-affordability) - [ 🏠 Wealth Builders & Home Finance ](https://sapience.com.au/insights/wealth-builders-home-finance) [ Read more … ](https://sapience.com.au/blog/the-unseen-retirement-crisis-why-your-home-is-more-than-just-a-roof-over-your-head) [ ![flow chart about SMSF-regulation-4.09-SIS-act](https://sapience.com.au/images/blog/intro-SMSF-regulation-4.09-SIS-act-sapience-financial.jpg) ](https://sapience.com.au/blog/the-19800-dollar-fine-smsf-trustees-must-avoid "The $19,800 Fine SMSF Trustees Must Avoid") ## [ The $19,800 Fine SMSF Trustees Must Avoid ](https://sapience.com.au/blog/the-19800-dollar-fine-smsf-trustees-must-avoid) --- ### Avoid a Fire Sale: Solving Liquidity in Your SMSF Without liquidity insurance, the biggest threat to your family's financial future isn't a market crash, but a forced fire sale of your most valuable assets in your SMSF. - [ SMSF ](https://sapience.com.au/smsf) - [ SMSF liquidity ](https://sapience.com.au/smsf-liquidity) - [ SMSF audit ](https://sapience.com.au/all-tags/smsf-audit) - [ SMSF investment strategy ](https://sapience.com.au/all-tags/smsf-investment-strategy) - [ 🏠 Wealth Builders & Home Finance ](https://sapience.com.au/insights/wealth-builders-home-finance) [ Read more … ](https://sapience.com.au/blog/the-19800-dollar-fine-smsf-trustees-must-avoid) [ ![happy step family and their grumpy cat](https://sapience.com.au/images/blog/intro-dont-let-the-law-define-your-family-a-guide-to-wills-for-step-parents-and-beyond-sapience-financial.jpg) ](https://sapience.com.au/blog/dont-let-the-law-define-your-family-a-guide-to-wills-for-step-parents-and-beyond "Don't Let the Law Define Your Family: A Guide to Wills for Step-Parents and Beyond") ## [ Don't Let the Law Define Your Family: A Guide to Wills for Step-Parents and Beyond ](https://sapience.com.au/blog/dont-let-the-law-define-your-family-a-guide-to-wills-for-step-parents-and-beyond) --- ### A Question of Blood: The Unseen Disinheritance of Australian Step-Children Who counts as family to you? Is it more logical than biological? If you don't yet have a Will document in place, you're going to want to read this. - [ blended families ](https://sapience.com.au/all-tags/blended-families) - [ inheritance management ](https://sapience.com.au/all-tags/inheritance-management) - [ ⚖️ Estate Law & Succession Planning ](https://sapience.com.au/insights/estate-law-succession) [ Read more … ](https://sapience.com.au/blog/dont-let-the-law-define-your-family-a-guide-to-wills-for-step-parents-and-beyond) [ ![proud father looking at a photo of this young son displayed on a mobile phone surrounded in a protective white light with the words family secured](https://sapience.com.au/images/blog/intro-the-millionaire-myth-and-how-to-create-an-automatic-inheritance-for-the-people-you-love-no-lottery-win-required-sapience-financial.jpg) ](https://sapience.com.au/blog/the-millionaire-myth-and-how-to-create-an-immediate-inheritance-for-the-people-you-love-no-lottery-win-required "The Millionaire Myth and How to Create an Immediate Inheritance for the People You Love (No Lottery Win Required)") ## [ The Millionaire Myth and How to Create an Immediate Inheritance for the People You Love (No Lottery Win Required) ](https://sapience.com.au/blog/the-millionaire-myth-and-how-to-create-an-immediate-inheritance-for-the-people-you-love-no-lottery-win-required) --- ### What to do before you’re really rich Good things, they say take time, but that's not going to work when it comes to protecting your family's future. Some things, especially when it comes to protecting and providing, have to be the priority, and even have an element of urgency. But what if I can't afford it, yet? What if I'm not rich enough, yet? What if, ... and the list will go on. - [ nominated benificiary ](https://sapience.com.au/beneficiary) - [ life insurance benificiaries ](https://sapience.com.au/all-tags/life-insurance-benificiaries) - [ binding death nominations ](https://sapience.com.au/all-tags/binding-death-nominations) - [ inheritance management ](https://sapience.com.au/all-tags/inheritance-management) - [ 🛡️ Specialist Risk & Insurance ](https://sapience.com.au/insights/specialist-risk-insurance) [ Read more … ](https://sapience.com.au/blog/the-millionaire-myth-and-how-to-create-an-immediate-inheritance-for-the-people-you-love-no-lottery-win-required) 1. [ Forget the Will for a Moment. Let's Talk About Who Makes Decisions When You Can't](https://sapience.com.au/blog/forget-the-will-for-a-moment-lets-talk-about-who-makes-decisions-when-you-cant) 2. [ The Double-Income Tightrope: What's Your Plan B for the Mortgage?](https://sapience.com.au/blog/the-double-income-tightrope-what-is-your-backup-plan-for-the-mortgage) 3. [ AI and the Future of Professional Advice](https://sapience.com.au/blog/ai-and-the-future-of-professional-advice) 4. [ Beyond the Diagnosis: Chronic illness and life insurance policies you can no longer afford](https://sapience.com.au/blog/beyond-the-diagnosis-chronic-illness-and-life-insurance-policies-you-can-no-longer-afford) 5. [ Ending a De Facto Relationship in NSW: The Checklist you Need](https://sapience.com.au/blog/ending-a-de-facto-relationship-in-nsw-checklist) 6. [ Protecting Inheritances: The Bankruptcy Trust in a Protective Will Explained](https://sapience.com.au/blog/protecting-inheritances-the-bankruptcy-trust-in-a-protective-will-explained) 7. [ Protecting Inheritances: The Superannuation Proceeds Trust in a Protective Will Explained](https://sapience.com.au/blog/protecting-inheritances-the-superannuation-proceeds-trust-in-a-protective-will-explained) ### [ Modern Small Business Leadership](https://sapience.com.au/blog/modern-small-business) Page 7 of 73 ## 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": "Search Blog by Month", "item": "https://sapience.com.au/resources/search-blog-articles-by-month" } ] } ```