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.
What is Pre-elder Abuse? (Yes we went there...)
Pronunciation [pree–el–der uh–byoos] (Noun) See also: financial groomingWe 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.
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.
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.
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.
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.
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.
- The Art of Productive Panic
- Why Your Brain Would Rather Eat a Cookie Than Sign Your Will (And Why That’s Actually Fine)
- The Ghost of Business Future (Why We Get Ebenezer Scrooge Wrong)
- Invisible Burdens of Widowhood That Most Men Overlook
- Can I Get Income Protection while living with Anxiety? The Realities of Underwriting
- The Grudge Diagnostic
- The Robot That Takes Your Money (And Why You Should Let It)
