#  Field Notes – September 2026

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 | \|  \| \|---\| \| [ ![Sapience Financial](https://sapience.com.au/images/email/sapience-financial-horizontal-logo-colour.png) ](https://sapience.com.au) SAPIENCE FINANCIAL \\| FIELD NOTES • SEPTEMBER 2026 \| \| \\| [ ![The Scar Tissue of She'll Be Right](https://sapience.com.au/images/email/newsletter-lead-scar-tissue.jpg) ](https://sapience.com.au/blog/the-scar-tissue-of-shell-be-right-why-later-is-a-biological-lie)  General Strategy ##  The Scar Tissue of "She'll Be Right": Why "Later" is a Biological Lie    We often treat "later" like a safe storage box for uncomfortable financial decisions. But delay carries a compounding cost. Discover why waiting for the "right time" actively erodes family and practice certainty—and how to break the cycle.   [ Read the Full Article → ](https://sapience.com.au/blog/the-scar-tissue-of-shell-be-right-why-later-is-a-biological-lie) \\| \| \|---\| \|  \| \| Focused Briefings & Insights \| \| \\| [ ![Property Tax Mindset](https://sapience.com.au/images/email/newsletter-teaser-property-tax.jpg) ](https://sapience.com.au/blog/sailing-through-the-property-tax-storm-and-the-two-step-sequence-to-upgrade-your-wealth-mindset) \\| Wealth & Property ###  Sailing Through the Property Tax Storm    Federal property tax frameworks shift constantly. Learn the two-step mental sequence to move from a reactive opportunist to a strategic, long-term wealth builder.   [ Read Briefing → ](https://sapience.com.au/blog/sailing-through-the-property-tax-storm-and-the-two-step-sequence-to-upgrade-your-wealth-mindset) \\| \| \|---\| \| \\| [ ![The Certainty Trap](https://sapience.com.au/images/email/newsletter-teaser-certainty-trap.jpg) ](https://sapience.com.au/blog/the-certainty-trap-need-for-closure-decisions) \\| Behavioral Finance ###  The Certainty Trap: How Closure Rushes Big Choices    Rushing a financial decision just to stop the discomfort of feeling uncertain? Discover how the psychological need for immediate closure locks in costly errors.   [ Read Article → ](https://sapience.com.au/blog/the-certainty-trap-need-for-closure-decisions) \\| \| \|---\| \| \\| [ ![Anxiety Underwriting Realities](https://sapience.com.au/images/email/newsletter-teaser-anxiety-ip.jpg) ](https://sapience.com.au/blog/can-i-get-income-protection-with-living-with-anxiety-the-realities-of-underwriting) \\| Specialist Risk ###  Income Protection & Living with Anxiety    Mental health is a primary driver of modern claims. Here is how Australian underwriters evaluate pre-existing anxiety and what you need to disclose.   [ Read Underwriting Guide → ](https://sapience.com.au/blog/can-i-get-income-protection-with-living-with-anxiety-the-realities-of-underwriting) \\| \| \|---\| \| \\| [ ![Real Housewives of Small Business](https://sapience.com.au/images/email/newsletter-spotlight-rhw.jpg) ](https://sapience.com.au/rhw)  Small Business Spotlight ####  Real Housewives of Small Business (RHW Series)    Practical insights for business owners on commercial liability, ATO updates, and key-person risk—delivered without dry corporate jargon.   [ Explore the RHW Series → ](https://sapience.com.au/rhw) \\| \| \|---\| \| Sapience Financial   Focused advice and risk protection for individuals, families, and business owners.   [Manage Preferences](https://www.sapience.com.au/%5BPREFERENCESURL%5D) \\| [Unsubscribe](https://www.sapience.com.au/%5BUNSUBSCRIBEURL%5D)   © 2026 Sapience Financial. All rights reserved.     This email was sent to you because you are a client or subscriber of Sapience Financial. \| |

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 Test 'Super Says' Canvas

### The Game of ‘Super Says’

‘Super says, put your hand in your pockets ... Super says, you can trust us with your future’.

 🧑‍💼 🪑 👨‍🔧 🪑 👩‍⚕️

A Statistical Reality:

The music has stopped, but the definition of your cover has changed. If your fund relies on ‘Everyday Working Activities’ (EWA), you might find there is no chair left for you to sit on.