Blog
Welcome to our Personal Finance Blog
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.
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Select a speciality below to view our curated specialist insights and practical strategies.
Have you ever wondered if you've unexpectedly inherited your attitudes towards Money Matters?
Long before an unexpected crisis forces your hand, your family has likely already been quietly sorted into a default financial 'house' that is actively holding you back.
Planning for surgery means getting your pre-surgery financial resources and estate planning documents in place first - just in case
While your pre-surgery checklist undoubtedly includes fasting and arranging a ride home, the most overlooked and most important jobs may be getting your emergency estate plans in place, just in case.
The Broken Social Contract that is Superannuation (and Why we built a Bureaucracy Shield)
For decades, the Social Contract of the Australian superannuation system was built on a simple, silent promise: you contribute your earnings while you are well, and the system protects your dignity when you are not. However, for those navigating a terminal diagnosis today, recent evidence suggests this contract is functionally broken.
What Matters Most - Straight Answers to Life’s Hardest Insurance Questions
Hard questions deserve honest answers. From the 13-month suicide exclusion to the unique legal status of Voluntary Assisted Dying (VAD) in Australia, we’re deconstructing the technicalities to ensure your dignity - and your family’s security - remain front of mind.
The Predator on the Couch and Why We Need a New Vocabulary for Protecting Family Wealth
There’s a profound blind spot in how we manage the risks of ageing and intergenerational wealth transfer in Australian families.
We spend our lives building fortresses against the outside world – whether that’s installing security systems, shredding our bank statements, and learning to dodge sophisticated online scams. For some of us, we’ve even discommend the family land line telephone (because the only people to call were scammers and charity collectors anyways).
What is Pre-elder Abuse? (Yes we went there...)
Pronunciation [pree–el–der uh–byoos] (Noun) See also: financial grooming, Early Inheritance Syndrome (EIS),legacy naked, We all know the word for the tragedy, after it happens. We call it elder abuse. It’s a staggering reality that affects one in six older Australians, and in two-thirds of those cases, the perpetrator is a family member - the Predator on the Couch.
- Better than a Tim Tam and Why Aussie TPD and Income Protection are World-Beaters
- The Scar Tissue of 'She’ll Be Right' and Why Later is a Biological Lie
- Starting a Business with another? Here's your Homework
- The 0.08-Second Glitch: Why Your Brain is Faster Than Your Bank Account
- Share Your Story (Anonymously)
- The Art of Productive Panic
- Why Your Brain Would Rather Eat a Cookie Than Sign Your Will (And Why That’s Actually Fine)
