#  Blog

### Welcome to our Personal Finance Blog

![Pic of Senior Advisor Drew Browne](https://www.finallysorted.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://www.finallysorted.com.au/insights/evolutionary-finance) [🌳 Family, Legacy & Aging](https://www.finallysorted.com.au/insights/family-legacy-aging) [⚖️ Estate Law & Succession Planning](https://www.finallysorted.com.au/insights/estate-law-succession) [🛡️ Specialist Risk & Insurance](https://www.finallysorted.com.au/insights/specialist-risk-insurance) [🤝 Small Business Risk & Partnership](https://www.finallysorted.com.au/insights/small-business-risk-partnership) [🌍 Social Leadership & Conscious Business](https://www.finallysorted.com.au/insights/social-leadership-conscious-business) [🏠 Wealth Builders & Home Finance](https://www.finallysorted.com.au/insights/wealth-builders-home-finance) [📰 Sapience General Archive](https://www.finallysorted.com.au/insights/sapience-general-archive)

![Not made by AI sapience financial](https://www.finallysorted.com.au/images/icons/not-made-by-AI-sapience-financial-black.png)

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  [ ![Road closed during heavy rain road sign](https://www.finallysorted.com.au/images/blog/intro-learning-new-skills-to-survive-another-different-kind-of-year-sapinence-financial.jpg) ](https://www.finallysorted.com.au/blog/learning-new-skills-to-survive-another-different-kind-of-year "Learning new skills to survive another different kind of year") ##  [ Learning new skills to survive another different kind of year ](https://www.finallysorted.com.au/blog/learning-new-skills-to-survive-another-different-kind-of-year)

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### Has Flooding & Extreme weather affected you or your family this year?

If the last two years have taught us anything, it’s that anything can happen, it usually does - and we all do better knowing we have a backup plan in place.

- [ family safety ](https://www.finallysorted.com.au/all-tags/family-safety)
- [ getback on track ](https://www.finallysorted.com.au/all-tags/getback-on-track)
- [ family protection ](https://www.finallysorted.com.au/all-tags/family-protection)
- [ mindset ](https://www.finallysorted.com.au/all-tags/mindset)
- [ 🌳 Family, Legacy & Aging ](https://www.finallysorted.com.au/insights/family-legacy-aging)

 [ Read more … ](https://www.finallysorted.com.au/blog/learning-new-skills-to-survive-another-different-kind-of-year)

  [ ![father and son with pink piggybank](https://www.finallysorted.com.au/images/blog/intro-is-it-time-for-you-to-get-more-money-into-your-super-fund-sapience-financial.jpg) ](https://www.finallysorted.com.au/blog/is-it-time-for-you-to-get-more-money-into-your-super-fund "Is it time for you to get more money into your super fund?") ##  [ Is it time for you to get more money into your super fund? ](https://www.finallysorted.com.au/blog/is-it-time-for-you-to-get-more-money-into-your-super-fund)

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### The four key facts about super you need to know if you want to pay less tax in 2022

Is fair to say double-digit investment growth may not return to the investment market for some period of time, so making sure we get good value for what we are saving to invest, is more important than ever.

- [ super ](https://www.finallysorted.com.au/all-tags/super)
- [ salary sacrifice into super ](https://www.finallysorted.com.au/all-tags/salary-sacrifice-into-super)
- [ downsizer contributions ](https://www.finallysorted.com.au/all-tags/downsizer-contributions)
- [ savings decisions ](https://www.finallysorted.com.au/all-tags/savings-decisions)
- [ saving and investing ](https://www.finallysorted.com.au/all-tags/saving-and-investing)
- [ 🏠 Wealth Builders & Home Finance ](https://www.finallysorted.com.au/insights/wealth-builders-home-finance)

 [ Read more … ](https://www.finallysorted.com.au/blog/is-it-time-for-you-to-get-more-money-into-your-super-fund)

  [ ![two parents and two adult children](https://www.finallysorted.com.au/images/blog/intro-helping-adult-children-become-financially-independent-is-harder-than-you-think-sapience-financial.jpg) ](https://www.finallysorted.com.au/blog/helping-adult-children-become-financially-independent-is-harder-than-you-think "Helping adult children become financially independent is harder than you think") ##  [ Helping adult children become financially independent is harder than you think ](https://www.finallysorted.com.au/blog/helping-adult-children-become-financially-independent-is-harder-than-you-think)

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### How to begin setting limits on The Bank of Mum & Dad

Annual research indicates an average of 6 out of 10 parents report supporting their adult children financially to the detriment of their own financial stability - and it's getting worse.

- [ family health & safety ](https://www.finallysorted.com.au/all-tags/family-health-safety)
- [ loans to adult children ](https://www.finallysorted.com.au/all-tags/loans-to-adult-children)
- [ inter family loans ](https://www.finallysorted.com.au/all-tags/inter-family-loans)
- [ stepfamilies ](https://www.finallysorted.com.au/all-tags/stepfamilies)
- [ 🌳 Family, Legacy & Aging ](https://www.finallysorted.com.au/insights/family-legacy-aging)

 [ Read more … ](https://www.finallysorted.com.au/blog/helping-adult-children-become-financially-independent-is-harder-than-you-think)

  [ ![exhausted lady with forehead resting on laptop keyboard](https://www.finallysorted.com.au/images/blog/intro-australian-company-directors-now-need-to-have-a-directors-id-number-sapience-financial.jpg) ](https://www.finallysorted.com.au/blog/australian-company-directors-now-need-to-have-a-directors-id-number-asap "Australian Company Directors now need a Directors ID Number") ##  [ Australian Company Directors now need a Directors ID Number ](https://www.finallysorted.com.au/blog/australian-company-directors-now-need-to-have-a-directors-id-number-asap)

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### New requirements for all Australian Company Directors - get your Directors ID - asap

### Are you a Director of a company?

Perhaps you have a Self Managed Super Fund (SMSF) and you're the Director of your SMSF Corporate Trustee? If so you’re caught up in the latest new regulation from the Australian government.

- All company Directors are now required to register for a unique 15 digit identifier.
- [ SMSF ](https://www.finallysorted.com.au/smsf)
- [ small business ](https://www.finallysorted.com.au/all-tags/small-business)
- [ SME News ](https://www.finallysorted.com.au/all-tags/sme-news)
- [ company directors ](https://www.finallysorted.com.au/all-tags/company-directors)
- [ 🤝 Small Business Risk & Partnership ](https://www.finallysorted.com.au/insights/small-business-risk-partnership)

 [ Read more … ](https://www.finallysorted.com.au/blog/australian-company-directors-now-need-to-have-a-directors-id-number-asap)

  [ ![male with surgical face mask holding his head](https://www.finallysorted.com.au/images/blog/intro-covid-19-and-life-insurances-faqs-sapience-financial.jpg) ](https://www.finallysorted.com.au/blog/covid-19-and-life-insurances-faqs "COVID-19 & Life Insurances FAQs") ##  [ COVID-19 & Life Insurances FAQs ](https://www.finallysorted.com.au/blog/covid-19-and-life-insurances-faqs)

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### Here are our most frequently asked questions by clients about Life Insurance policies, COVID-19 & Vaccinations

### Australia is now in the middle of the COVID-19 pandemic and learning to live and work with lockdowns and public health orders.

With rolling lockdowns and much general uncertainty ahead, as we race towards the nation's next mass vaccination target, it's only natural people are looking for certainty and asking important questions about 'whether COVID-19 affects their life insurance policies in any way?'

- [ Covid-19 ](https://www.finallysorted.com.au/all-tags/covid-19)
- [ FAQ ](https://www.finallysorted.com.au/all-tags/faq)
- [ 📰 Sapience General Archive ](https://www.finallysorted.com.au/insights/sapience-general-archive)

 [ Read more … ](https://www.finallysorted.com.au/blog/covid-19-and-life-insurances-faqs)

  [ ![daughter beating father while they play console games together games](https://www.finallysorted.com.au/images/blog/intro-when-your-child-asks-about-money-sapience-financial.jpg) ](https://www.finallysorted.com.au/blog/when-your-child-asks-about-money "When your child asks about money") ##  [ When your child asks about money ](https://www.finallysorted.com.au/blog/when-your-child-asks-about-money)

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### Who hasn't felt ambushed by a question without notice for a child?

### Kids ask questions - that's their job

Given the sheer abundance of our modern lives, it's not surprising we end up with so many complicated feelings and concerns about 'things and stuff'.

When you're an adult raising kids-to-be-adults, we're going to face unexpected and honest questions.

Some are expected and others totally catch us unprepared.

And just because you may not have your own kids, remember we’re all role-models for somebody.

- [ family health & safety ](https://www.finallysorted.com.au/all-tags/family-health-safety)
- [ things parents think about ](https://www.finallysorted.com.au/all-tags/things-parents-think-about)
- [ money advice for the kids ](https://www.finallysorted.com.au/all-tags/money-advice-for-the-kids)
- [ 🌳 Family, Legacy & Aging ](https://www.finallysorted.com.au/insights/family-legacy-aging)

 [ Read more … ](https://www.finallysorted.com.au/blog/when-your-child-asks-about-money)

1. [ Adaptability: the underrated skill for living a bigger financial life](https://www.finallysorted.com.au/blog/adaptability-the-underrated-skill-for-living-a-bigger-financial-life)
2. [ Are you prepared for the cost of surviving cancer?](https://www.finallysorted.com.au/blog/are-you-prepared-for-the-cost-of-surviving-cancer)
3. [ What happens if my mortgage provider goes bankrupt?](https://www.finallysorted.com.au/blog/what-happens-if-my-mortgage-provider-goes-bankrupt)
4. [ Family Guarantors, money and mortgages and what you need to know](https://www.finallysorted.com.au/blog/family-guarantors-money-and-mortgages-and-what-you-need-to-know)
5. [ Why does getting a life insurance policy sometimes take longer then expected?](https://www.finallysorted.com.au/blog/why-does-getting-a-life-insurance-policy-sometimes-take-longer-then-expected)
6. [ Smart strategies for your Super this EOFY 2021](https://www.finallysorted.com.au/blog/smart-strategies-for-your-super-this-eofy)
7. [ Teaching your kids to save is child's play](https://www.finallysorted.com.au/teaching-your-kids-to-save-is-childs-play)

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

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