--- 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://mail.sapience.com.au/blog?start=18" date: "2026-06-15T17:59:35+00:00" language: "en-GB" --- # Blog ### Welcome to our Personal Finance Blog ![Pic of Senior Advisor Drew Browne](https://mail.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://mail.sapience.com.au/insights/evolutionary-finance) [🌳 Family, Legacy & Aging](https://mail.sapience.com.au/insights/family-legacy-aging) [⚖️ Estate Law & Succession Planning](https://mail.sapience.com.au/insights/estate-law-succession) [🛡️ Specialist Risk & Insurance](https://mail.sapience.com.au/insights/specialist-risk-insurance) [🤝 Small Business Risk & Partnership](https://mail.sapience.com.au/insights/small-business-risk-partnership) [🌍 Social Leadership & Conscious Business](https://mail.sapience.com.au/insights/social-leadership-conscious-business) [🏠 Wealth Builders & Home Finance](https://mail.sapience.com.au/insights/wealth-builders-home-finance) [📰 Sapience General Archive](https://mail.sapience.com.au/insights/sapience-general-archive) ![Not made by AI sapience financial](https://mail.sapience.com.au/images/icons/not-made-by-AI-sapience-financial-black.png) --- [ ![](https://mail.sapience.com.au/images/blog/intro-can-i-get-income-protection-with-anxiety-the-realities-of-underwriting-sapience-financial.jpg) ](https://mail.sapience.com.au/blog/can-i-get-income-protection-with-living-with-anxiety-the-realities-of-underwriting "Can I Get Income Protection while living with Anxiety? The Realities of Underwriting") ## [ Can I Get Income Protection while living with Anxiety? The Realities of Underwriting ](https://mail.sapience.com.au/blog/can-i-get-income-protection-with-living-with-anxiety-the-realities-of-underwriting) --- ### Modern Life: A Marathon in a Minefield We are living in an era of ‘always-on’ pressure. Even our designated ‘wind down’ time has been hijacked; instead of resting, we find ourselves doomscrolling through clickbait and getting hooked by a 24-hour news cycle that seems designed to keep us in a state of perpetual outrage. - [ life insurance ](https://mail.sapience.com.au/life-insurance/life-terminal-illness-insurance) - [ income protection ](https://mail.sapience.com.au/all-tags/income-protection) - [ total & permanent disability (TPD) ](https://mail.sapience.com.au/all-tags/total-permanent-disability-tpd) - [ anxiety ](https://mail.sapience.com.au/all-tags/anxiety) - [ 🛡️ Specialist Risk & Insurance ](https://mail.sapience.com.au/insights/specialist-risk-insurance) [ Read more … ](https://mail.sapience.com.au/blog/can-i-get-income-protection-with-living-with-anxiety-the-realities-of-underwriting) [ ![](https://mail.sapience.com.au/images/blog/intro-grudge-diagnositic-circuit-breaker.jpg) ](https://mail.sapience.com.au/blog/the-grudge-diagnostic "The Grudge Diagnostic") ## [ The Grudge Diagnostic ](https://mail.sapience.com.au/blog/the-grudge-diagnostic) ### The Grudge Diagnostic When you open a Life and Disability Insurance renewal invoice, you're not just fighting a price increase, you're actually fighting millions of years of evolutionary programming. Your brain is wired to reject this bill because it offers *no immediate and tangible reward.* So before you act on that feeling, use the Diagnostic to check which mental bias is running the show. - [ 🧠 Evolutionary Finance ](https://mail.sapience.com.au/insights/evolutionary-finance) [ Read more … ](https://mail.sapience.com.au/blog/the-grudge-diagnostic) [ ![young women sitting on the cough paying bills by credit card](https://mail.sapience.com.au/images/blog/intro-the-robot-that-takes-your-money-and-why-you-should-let-it-sapience-financial.jpg) ](https://mail.sapience.com.au/blog/the-robot-that-takes-your-money-and-why-you-should-let-it "The Robot That Takes Your Money (And Why You Should Let It)") ## [ The Robot That Takes Your Money (And Why You Should Let It) ](https://mail.sapience.com.au/blog/the-robot-that-takes-your-money-and-why-you-should-let-it) --- ### The Robot That Takes Your Money (And Why You Should Let It) Why auto-renewals on our Life and Disability Insurances can trigger our 'Loss Aversion' and how to hack your own brain - [ Success Mindsets ](https://mail.sapience.com.au/all-tags/success-mindsets) - [ 🛡️ Specialist Risk & Insurance ](https://mail.sapience.com.au/insights/specialist-risk-insurance) [ Read more … ](https://mail.sapience.com.au/blog/the-robot-that-takes-your-money-and-why-you-should-let-it) [ ![happy young blending family sitting on the couch](https://mail.sapience.com.au/images/blog/intro-why-the-law-treats-your-step-children-as-strangers-when-you-dont-have-a-Will-document-sapience-financial.jpg) ](https://mail.sapience.com.au/blog/love-isnt-enough-why-the-law-treats-your-step-children-as-strangers "Love Isn't Enough: Why the Law Treats Your Step-Children as Strangers") ## [ Love Isn't Enough: Why the Law Treats Your Step-Children as Strangers ](https://mail.sapience.com.au/blog/love-isnt-enough-why-the-law-treats-your-step-children-as-strangers) --- ### Love Makes a Family, But the Law Requires Blood In the fabric of our modern Australian society, the blended family is a common and cherished thread. We build lives, forge bonds, and raise children not merely by biology, but by years of shared breakfasts, school pickups, and mutual affection. For our LGBT community, *chosen family* is often the strongest bond of all. We live by the truth that love makes a family. But there is a cold, hard reality we must face: The law requires blood. - [ blending families ](https://mail.sapience.com.au/all-tags/blending-families) - [ blended families ](https://mail.sapience.com.au/all-tags/blended-families) - [ modern estate planning ](https://mail.sapience.com.au/all-tags/modern-estate-planning) - [ immediate inheritance ](https://mail.sapience.com.au/all-tags/immediate-inheritance) - [ ⚖️ Estate Law & Succession Planning ](https://mail.sapience.com.au/insights/estate-law-succession) [ Read more … ](https://mail.sapience.com.au/blog/love-isnt-enough-why-the-law-treats-your-step-children-as-strangers) [ ![excited young boy looking down into an opened paper bag to see the definition of Atestate](https://mail.sapience.com.au/images/blog/intro-what-is-atestate-sapience-financial.jpg) ](https://mail.sapience.com.au/blog/what-is-atestate "What is Atestate?") ## [ What is Atestate? ](https://mail.sapience.com.au/blog/what-is-atestate) --- ### You aren't Intestate (yet). But you are almost certainly "Atestate." By [Drew Browne](https://mail.sapience.com.au/index.php?Itemid=2054) We have a gaping hole in the English language, and it is costing Australian families their fortunes. In the legal and financial world, we have a clear word for what happens when you die without a Will. You are "**Intestate**." It comes from Latin (*intestatus*), and it is a messy, expensive, bureaucratic nightmare for the people you leave behind. - [ modern estate planning ](https://mail.sapience.com.au/all-tags/modern-estate-planning) - [ ⚖️ Estate Law & Succession Planning ](https://mail.sapience.com.au/insights/estate-law-succession) [ Read more … ](https://mail.sapience.com.au/blog/what-is-atestate) [ ![three business friends sitting at a table and laughing and enjoying the moment together](https://mail.sapience.com.au/images/blog/intro-learning-how-to-stay-rich-sapience-financial.jpg) ](https://mail.sapience.com.au/blog/learning-how-to-stay-rich "Learning How to Stay Rich") ## [ Learning How to Stay Rich ](https://mail.sapience.com.au/blog/learning-how-to-stay-rich) --- ### The Two Games of Money: Why Your Best Strength is Your Greatest Blind Spot You're an optimist and a builder, you're wired to chase opportunities and grow your wealth - and who doesn't like that. But what if that very superpower is the crippling blind spot that stops you from protecting everything you've built? Getting wealthy is one thing, staying wealthy is another game all together - [ life insurance ](https://mail.sapience.com.au/life-insurance/life-terminal-illness-insurance) - [ money habits ](https://mail.sapience.com.au/all-tags/money-habits) - [ modern estate planning ](https://mail.sapience.com.au/all-tags/modern-estate-planning) - [ Modern Small Business ](https://mail.sapience.com.au/modern-small-business-blog) - [ 🧠 Evolutionary Finance ](https://mail.sapience.com.au/insights/evolutionary-finance) [ Read more … ](https://mail.sapience.com.au/blog/learning-how-to-stay-rich) 1. [ The Unseen Retirement Crisis: Why Your Home is More Than Just a Roof Over Your Head](https://mail.sapience.com.au/blog/the-unseen-retirement-crisis-why-your-home-is-more-than-just-a-roof-over-your-head) 2. [ The $19,800 Fine SMSF Trustees Must Avoid](https://mail.sapience.com.au/blog/the-19800-dollar-fine-smsf-trustees-must-avoid) 3. [ Don't Let the Law Define Your Family: A Guide to Wills for Step-Parents and Beyond](https://mail.sapience.com.au/blog/dont-let-the-law-define-your-family-a-guide-to-wills-for-step-parents-and-beyond) 4. [ The Millionaire Myth and How to Create an Immediate Inheritance for the People You Love (No Lottery Win Required)](https://mail.sapience.com.au/blog/the-millionaire-myth-and-how-to-create-an-immediate-inheritance-for-the-people-you-love-no-lottery-win-required) 5. [ Forget the Will for a Moment. Let's Talk About Who Makes Decisions When You Can't](https://mail.sapience.com.au/blog/forget-the-will-for-a-moment-lets-talk-about-who-makes-decisions-when-you-cant) 6. [ The Double-Income Tightrope: What's Your Plan B for the Mortgage?](https://mail.sapience.com.au/blog/the-double-income-tightrope-what-is-your-backup-plan-for-the-mortgage) 7. [ AI and the Future of Professional Advice](https://mail.sapience.com.au/blog/ai-and-the-future-of-professional-advice) ### [ Modern Small Business Leadership](https://mail.sapience.com.au/blog/modern-small-business) Page 4 of 49 ## Schema ```json { "@context": "https://schema.org", "@type": "BreadcrumbList", "itemListElement": [ { "@type": "ListItem", "position": 1, "name": "Home |", "item": "https://mail.sapience.com.au" }, { "@type": "ListItem", "position": 2, "name": "Blogs", "item": "https://mail.sapience.com.au/blog" } ] } ```