---
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=36"
date: "2026-06-15T17:59:37+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)

---

  [ ![Attractive male sleeping with white tee-shirt with CPAP mask](https://mail.sapience.com.au/images/blog/intro-getting-life-and-disability-insurance-when-youre-living-with-sleep-apnea-sapience-financial.jpg) ](https://mail.sapience.com.au/blog/getting-life-and-disability-insurance-when-youre-living-with-sleep-apnea "Getting Life and Disability Insurance when you're living with Sleep Apnea") ##  [ Getting Life and Disability Insurance when you're living with Sleep Apnea ](https://mail.sapience.com.au/blog/getting-life-and-disability-insurance-when-youre-living-with-sleep-apnea)

---

### Getting Life insurance while living with Sleep Apnea

Sleep Apnea is a condition where your breathing stops and starts while you sleep. In Australia, an estimated 5% of the population has sleep apnoea, translating into approximately 1 in 20 Australians being affected.

While sleep apnea isn't usually classed as a life-threatening condition, it’s seen as a pre-existing health condition and so requires some additional information when you're applying for life insurance or disability insurance, so the underwriter can better understand what you're living with.

- [ Get Life Confident ](https://mail.sapience.com.au/all-tags/get-life-confident)
- [ life isurance ](https://mail.sapience.com.au/all-tags/life-isurance)
- [ sleep apnea ](https://mail.sapience.com.au/all-tags/sleep-apnea)
- [ 🛡️ Specialist Risk & Insurance ](https://mail.sapience.com.au/insights/specialist-risk-insurance)

 [ Read more … ](https://mail.sapience.com.au/blog/getting-life-and-disability-insurance-when-youre-living-with-sleep-apnea)

  [ ![two best friends on holidays together taking a selfie photo](https://mail.sapience.com.au/images/blog/intro-how-to-appoint-your-own-medical-decision-maker-your-person-responsible-sapience-financial.jpg) ](https://mail.sapience.com.au/blog/how-to-appoint-your-own-medical-decision-maker-your-person-responsible "How to Appoint your Own Medical Decision Maker - your Person Responsible") ##  [ How to Appoint your Own Medical Decision Maker - your Person Responsible ](https://mail.sapience.com.au/blog/how-to-appoint-your-own-medical-decision-maker-your-person-responsible)

---

### Some decisions should never be left to chance (because you may not survive the outcome)

In Australia, the ability to make your own medical decisions is referred to as your 'decision-making capacity.' And when you have it, you probably don't think about it much. But when a person loses their decision making capacity (eg: due to a temporary illness, surgery, motor vehicle or workplace accident, or a more permanent cognitive decline), someone else needs to step in to make those medical decisions on a person's behalf.

The good news is you can appoint your own **Person Responsible** with legal authority to consent to (or even refuse) medical treatment on your behalf. But here is the problem; you need to have this legal document in place ahead of time, before you need it.

- [ enduring power of guardianship ](https://mail.sapience.com.au/all-tags/enduring-power-of-guardianship)
- [ modern estate planning ](https://mail.sapience.com.au/all-tags/modern-estate-planning)
- [ person responsible ](https://mail.sapience.com.au/all-tags/person-responsible)
- [ ⚖️ Estate Law & Succession Planning ](https://mail.sapience.com.au/insights/estate-law-succession)

 [ Read more … ](https://mail.sapience.com.au/blog/how-to-appoint-your-own-medical-decision-maker-your-person-responsible)

  [ ![confident women understanding her strength and ready to face the world](https://mail.sapience.com.au/images/blog/intro-surgery-prep-the-financial-estate-planning-checklist-you-need-to-know-sapience-financial.jpg) ](https://mail.sapience.com.au/blog/surgery-prep-the-financial-estate-planning-checklist-you-need-to-know "Surgery Prep? The Financial & Estate Planning Checklist You Need To Know") ##  [ Surgery Prep? The Financial & Estate Planning Checklist You Need To Know ](https://mail.sapience.com.au/blog/surgery-prep-the-financial-estate-planning-checklist-you-need-to-know)

---

### Don't Go Under Without It: Your Pre-Surgery Financial & Estate Planning Checklist

Facing surgery is, understandably, a significant moment. Beyond the medical preparations, it naturally prompts us to pause and consider the 'what ifs?'

But where do you begin when it comes to safeguarding your financial future before an operation? What essential steps and documents should you have in place?

- [ life insurance benificiaries ](https://mail.sapience.com.au/all-tags/life-insurance-benificiaries)
- [ modern estate planning ](https://mail.sapience.com.au/all-tags/modern-estate-planning)
- [ 🌳 Family, Legacy & Aging ](https://mail.sapience.com.au/insights/family-legacy-aging)

 [ Read more … ](https://mail.sapience.com.au/blog/surgery-prep-the-financial-estate-planning-checklist-you-need-to-know)

  [ ![attractive crossed legs with shiny red shoes in the air](https://mail.sapience.com.au/images/blog/intro-can-your-mistress-or-gay-lover-claim-an-inheritance-from-your-estate.jpg) ](https://mail.sapience.com.au/blog/can-your-mistress-or-gay-lover-claim-an-inheritance-from-your-estate "Can your Mistress (or Gay Lover) claim an inheritance from your estate?") ##  [ Can your Mistress (or Gay Lover) claim an inheritance from your estate? ](https://mail.sapience.com.au/blog/can-your-mistress-or-gay-lover-claim-an-inheritance-from-your-estate)

---

### A question we're asked, on behalf of a friend is, 'Could my mistress challenge my Will?' Another question then follows, for more inquiring minds, 'What about a gay lover then?'

Good financial advice is about knowing that life, love and relationships are inherently personal and so sometimes our financial advice needs to be equally personal too.

- [ life insurance benificiaries ](https://mail.sapience.com.au/all-tags/life-insurance-benificiaries)
- [ enduring power of guardianship ](https://mail.sapience.com.au/all-tags/enduring-power-of-guardianship)
- [ Protective Wills ](https://mail.sapience.com.au/all-tags/protective-wills)
- [ ⚖️ Estate Law & Succession Planning ](https://mail.sapience.com.au/insights/estate-law-succession)

 [ Read more … ](https://mail.sapience.com.au/blog/can-your-mistress-or-gay-lover-claim-an-inheritance-from-your-estate)

  [ ![middle aged family enjoying a BBQ together](https://mail.sapience.com.au/images/blog/intro-can-i-get-life-insurance-when-living-with-an-ms-diagnosis-sapience-financial.jpg) ](https://mail.sapience.com.au/blog/living-with-ms-exploring-your-life-insurance-possibilities "Living with MS? Exploring Your Life Insurance Possibilities") ##  [ Living with MS? Exploring Your Life Insurance Possibilities ](https://mail.sapience.com.au/blog/living-with-ms-exploring-your-life-insurance-possibilities)

---

### Are you living with a hidden complex health condition like MS?

It's time for a fresh look at living with a Multiple Sclerosis (MS) diagnosis and getting your life insurance sorted.

People typically develop multiple sclerosis between ages 20 to 40, but late-onset MS can also affects thoses 50 and older. MS affects approximately 2.5 million people worldwide, but when you live with multiple sclerosis (MS), it may already feel tough to relate to people who don’t have the condition. As people with an often hidden condition, they face challenges because of their disability.

- [ life insurance ](https://mail.sapience.com.au/life-insurance/life-terminal-illness-insurance)
- [ chronic health conditions ](https://mail.sapience.com.au/all-tags/chronic-health-conditions)
- [ Expanded Disability Status Scale (EDSS) ](https://mail.sapience.com.au/all-tags/expanded-disability-status-scale-edss)
- [ 🛡️ Specialist Risk & Insurance ](https://mail.sapience.com.au/insights/specialist-risk-insurance)

 [ Read more … ](https://mail.sapience.com.au/blog/living-with-ms-exploring-your-life-insurance-possibilities)

  [ ![telescope on ship ](https://mail.sapience.com.au/images/blog/intro-federal-budget-summary-2018-19-sapience-financial.jpg) ](https://mail.sapience.com.au/blog/federal-budget-summary-2025-26 "Federal Budget Summary 2025-26") ##  [ Federal Budget Summary 2025-26 ](https://mail.sapience.com.au/blog/federal-budget-summary-2025-26)

---

### Quick Federal Budget Summary for 2025-2026

### The 2025-26 Federal Budget has a number of highlights relevant to many of our clients, friends, and supporters explored further below.

Here are some important things about taxes and retirement savings from the Budget that can help people and businesses plan their finances.

- [ federal budet highlights ](https://mail.sapience.com.au/all-tags/federal-budet-highlights)
- [ 📰 Sapience General Archive ](https://mail.sapience.com.au/insights/sapience-general-archive)

 [ Read more … ](https://mail.sapience.com.au/blog/federal-budget-summary-2025-26)

1. [ Owning Overseas Assets and making an Australian Will document](https://mail.sapience.com.au/blog/owning-overseas-assets-and-making-an-australian-will-document)
2. [ Gifts, Loans and Debt Forgiveness](https://mail.sapience.com.au/blog/gifts-loans-and-debt-forgiveness)
3. [ Tips for Applying for Life Insurance when using Cannabis Oil](https://mail.sapience.com.au/blog/tips-for-applying-for-life-insurance-while-using-cannabis-oil)
4. [ Our 20 Most Frequently Asked Questions about being named the Executor of a persons Will](https://mail.sapience.com.au/blog/20-most-frequently-asked-questions-about-being-an-executor-in-a-will)
5. [ Time flies when you’re having fun but even faster when you're in Small Business](https://mail.sapience.com.au/blog/time-flies-when-youre-having-fun-but-even-faster-when-youre-in-small-business)
6. [ Bad Night? Bad Romance? Bad Super Binding Death Nomination?](https://mail.sapience.com.au/blog/bad-night-bad-romance-bad-super-binding-death-nomination)
7. [ The recipe for disaster that is leaving Specific Gifts in Wills](https://mail.sapience.com.au/blog/the-recipe-for-disaster-that-is-specific-gifts-in-wills)

### [ Modern Small Business Leadership](https://mail.sapience.com.au/blog/modern-small-business)

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