237. Subscription economy - death by a thousand cuts
360 Money Matters
Welcome back to another episode of the 360 Money Matters Podcast! In this episode, Billy and Andrew unpack the subscription economy and why it has become one of the biggest hidden threats to household budgets. From streaming services and AI tools to meal deliveries, memberships, and recurring payments, they explain how convenience has made spending almost invisible. They share practical strategies for identifying subscription creep, auditing your expenses, and deciding which services genuinely add value to your life. Most importantly, they discuss how to redirect the money you save toward...
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236. The government just changed property rules – Does rent vesting still make sense
360 Money Matters
Welcome back to another episode of the 360 Money Matters Podcast! The government just moved the goalposts on property investors and if you're rentvesting, or even thinking about it, you need to know what's changed and whether the strategy still stacks up. Negative gearing on established properties is on the way out. Capital gains tax treatment has shifted. And for the first time in a long time, the rules that made rentvesting such a compelling wealth-building strategy have been tampered with. So is the juice still worth the squeeze? In this episode, Billy and Andrew break down...
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235. Inside a $2M Portfolio How It Should Actually Be Structured
360 Money Matters
Welcome back to another episode of the 360 Money Matters Podcast! In this episode, Billy and Andrew open up a real client case — a $2 million investment portfolio — and walk through exactly how it should be built, structured, and managed. Most people with serious wealth ask the wrong first question. It's not "what should I invest in?" — it's "what am I actually trying to achieve?" Getting that wrong means every decision that follows is built on sand. This episode is for anyone who has accumulated significant wealth and wants to make sure it's working as hard — and as smart — as...
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234. Why Most Financial Plans Fail Within 12 Months — And How to Avoid It
360 Money Matters
Welcome back to another episode of the 360 Money Matters Podcast! In this episode, Billy and Andrew tackle the real reason most financial plans fall apart — and it's not the strategy. It's everything that happens after. Drawing on real client stories, including a $15,000 mistake made by going it alone, they break down the six most common reasons people abandon their financial plan within the first 12 months and, more importantly, what to do about it. If you've ever started strong and quietly let a financial plan fade out, this episode will show you exactly where it went wrong. - This...
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233. Financial Advice Fees: What Are You Really Paying For?
360 Money Matters
Welcome back to another episode of the 360 Money Matters Podcast! In this episode, Billy and Andrew break down exactly what sits behind a financial advice fee — from the initial Statement of Advice to ongoing service reviews, the compliance infrastructure, the research, and the team that makes it all work. They challenge the assumption that a lower fee means better value, and explain why understanding what you're paying for is just as important as the dollar amount itself. This episode is for anyone who has ever wondered whether their advice fee is worth it, or who has avoided getting...
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232. The Financial Advice myths that cost you money
360 Money Matters
Welcome back to another episode of the 360 Money Matters Podcast! In this episode, Billy and Andrew cut through the noise to bust the most common financial advice myths they hear from clients every single day: the beliefs that feel safe, sound reasonable, and are quietly keeping you from building real wealth. From waiting for the "right time" to invest, to assuming property always wins, to ignoring your super because you can't touch it, these myths aren't just wrong, they're expensive. And the fix is simpler than you think. If you've ever caught yourself making any of these excuses, this...
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231. What would happen if your income stopped tomorrow
360 Money Matters
Welcome back to another episode of the 360 Money Matters Podcast! In this episode, Billy and Andrew tackle one of the most confronting — and most overlooked — questions in personal finance: how long could you actually survive without your income? In a world of rising uncertainty, this isn't hypothetical. It's a question every household should be able to answer right now. Billy and Andrew cut through the assumptions most people make — that sick leave, annual leave, and redundancy entitlements will catch them — and show why that thinking leaves dangerous gaps, especially if an...
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230. The Financial Checklist for Your 40s (The Critical Decade)
360 Money Matters
Welcome back to another episode of the 360 Money Matters Podcast! In this episode, Billy and Andrew tackle the decade that most Australians sleepwalk through and can never get back. Your 40s are when income is climbing, debt is at its peak, and compound interest still has time to do its heavy lifting. Get it right and you build serious wealth. Take your foot off the accelerator — even just for a few years — and you arrive at 50 wondering where the decade went. Billy and Andrew break down the financial checklist every 40-something should be running through right now, from attacking...
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229. Bucket companies explained - The tax strategy most business owners don't understand
360 Money Matters
Welcome back to another episode of the 360 Money Matters Podcast! In this episode, Billy and Andrew demystify one of the most talked-about — and most misunderstood — tax strategies in the business owner playbook: the bucket company. Billy and Andrew cut through the jargon and explain exactly how a bucket company fits into a discretionary trust structure, why it's a tax-deferral strategy (not a tax-avoidance one), and the specific circumstances where it can be genuinely powerful — including when you retire, when your spouse steps back from work, or when your adult children enter the...
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228. The retirement danger zone - The First 5 year risk
360 Money Matters
Welcome back to another episode of the 360 Money Matters Podcast! In this episode, Billy and Andrew tackle one of the most overlooked risks in retirement planning and it's not about how much you save. You can do everything right. Save diligently, live within your means, build a solid nest egg. And still run out of money sooner than expected simply because of when markets fall. They break down why the first few years of drawing down your super are the most financially vulnerable of your retirement and what you can actually do about it. If you're within 5 years of retiring, already...
info_outlineHello and welcome back to the 360 Money Matters podcast! If you’re looking to expand and grow your wealth in a more aggressive manner, exploring the concept of a Margin Loan can be a potential solution for this.
We’ve spoken before about how you can use debt to invest. In this episode, we’re going to delve deeper into margin loans and how it can be used to magnify your gains. In addition, with margin loans being considered as a high-risk investment, we will also share strategies to mitigate that risk, alongside other important factors you should consider before applying for one.
When executed right, margin loans can serve to be an advantageous tool for your investments. But with potential reward comes additional risks, so make sure to tune into this episode so you can make the best-informed decisions for your investment plans.
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This podcast contains information that is general in nature. It does not take into account the objectives, financial situation, or needs of any particular person. You need to consider your financial situation and needs before making any decisions based on this information. This information is provided by Billy Amiridis and Andrew Nicolaou of 360 Financial Strategists Pty Ltd, authorised representatives and credit representatives of AMP Financial Planning – AFSL 232706
Episode Highlights:
• What a margin loan is.
• What are margin calls?
• Different features of margin loans.
• Benefits of margin lending.
• Potential risks of margin loans.
• Risk mitigation strategies for margin loans.
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