225. Pay Yourself Properly Dividends Trust Distributions and Super Strategy
360 Money Matters
Welcome back to another episode of the 360 Money Matters Podcast! In this episode, Billy and Andrew break down every method of paying yourself as a business owner, when each one makes sense, and how to structure your income to legally reduce tax, protect your wealth, and actually see how your business is performing. They also make the case for why superannuation remains the most overlooked wealth-building tool for the self-employed, and why ignoring it could cost you more than you think. Discover why how you pay yourself could be the difference between building wealth and just staying...
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224. From 2 Properties to 10- Scaling a Property Portfolio Safely
360 Money Matters
Welcome back to another episode of the 360 Money Matters Podcast! Most investors stall after their second property, not because they lose interest, but because they run out of borrowing capacity. In this episode, Billy and Andrew break down exactly why scaling a property portfolio beyond two gets hard fast, and more importantly, how to build a strategy that doesn't fall apart when interest rates move or the bank says no. Tune in to discover what separates investors who scale successfully from those who get stuck — or worse, are forced to sell. - This podcast contains information...
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223. Most common questions we get asked in a Market Decline
360 Money Matters
Welcome back to another episode of the 360 Money Matters Podcast! In this episode, Billy and Andrew tackle the questions they hear most during market volatility—and explain why the biggest value a financial advisor provides isn't the perfect plan, but stopping you from making the one decision that could derail everything. Discover why market timing rarely works, how zooming out changes perspective, and why your portfolio behaves the way it does when news turns negative. If you've ever felt the urge to uproot your financial "tree" during a storm, this episode will help you stay the...
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222. Market Wrap
360 Money Matters
Welcome back to another episode of the 360 Money Matters Podcast! In this episode, Billy and Andrew break down the shocking data you need to know: Australia's unexpected rate rise while the world cuts rates, the US earnings season that beat expectations by 85-90%, and why the Aussie dollar hitting 70 cents against the USD matters for your portfolio. Discover why China's 5% GDP growth is considered a slowdown, what Kevin Walsh's Fed appointment really means for your investments, and the simple truth about interest rates hurting only one-third of Australians while helping another third. -...
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221. The financial middle class squeeze - Earn more, feel poorer
360 Money Matters
Welcome back to another episode of the 360 Money Matters Podcast! In this episode, Billy and Andrew tackle the paradox plaguing middle-class households: wages are up, but financial stress is higher than ever. We explore the hidden forces draining your wallet—from subscription creep and lifestyle inflation to housing costs and Australia's tax burden—and why it's exponentially harder to manage money today than even a decade ago. This episode unpacks why middle-class Australians are experiencing the squeeze despite rising incomes—and what you can do about it. - This podcast...
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220. Shares vs Property - The great debate that everyone gets wrong
360 Money Matters
Welcome back to another episode of the 360 Money Matters Podcast! In this episode, Billy and Andrew reveal why most Australians - including the "experts" - fundamentally misunderstand this backyard barbecue favourite. The real question isn't which asset class has better returns. It's about leverage, tax structure, liquidity, and behavioral discipline. We break down the hidden costs everyone conveniently forgets (stamp duty, interest, maintenance, selling fees), explain why concentration risk matters more than you think, and expose the psychological tricks that make property "feel" safer...
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219. The Financial Risk of Buying Off the plan Property
360 Money Matters
Welcome back to another episode of the 360 Money Matters Podcast! In this episode, Billy and Andrew draw from real client experiences to expose the hidden financial risks of off-the-plan purchases that most buyers never consider until it's too late. From valuation gaps at settlement to developer insolvencies during COVID, they reveal why buying property you can't see yet might be one of the riskiest financial decisions you can make. Discover what you need to know before signing that contract and committing to a property that won't exist for another two years. - This podcast contains...
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218. The Hidden Cost of Being Good With Money
360 Money Matters
Welcome back to another episode of the 360 Money Matters Podcast! In this episode, Billy and Andrew explore the paradox of over-saving: how being too conservative with your finances can quietly erode your wealth and rob you of life experiences you'll never get back. From the cautionary tale of a 50-year-old with 12 debt-free properties but no hobbies or holidays, to retirees paying unnecessary tax on million-dollar savings accounts, we reveal the invisible costs of financial paralysis. Discover why holding excess cash, avoiding professional advice to save fees, and defaulting to "no" can...
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217. Curing the New Year overspending hangover
360 Money Matters
Welcome back to another episode of the 360 Money Matters Podcast! In this episode, Billy and Andrew tackle the all-too-familiar January reality: opening that credit card statement after the festive season. They share practical strategies for dealing with post-Christmas debt without shame, from conducting a quick 30-minute spending reset to cutting invisible aftershocks like forgotten subscriptions. You'll learn why paying off debt trumps preserving savings balances, how to triage expenses without raiding long-term investments, and the simple math behind building a December buffer. ...
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216. Renovate or Relocate - The Financial Equation Behind the Decision
360 Money Matters
Welcome back to another episode of the 360 Money Matters Podcast! In this episode, Billy and Andrew share their real-time experience navigating whether to renovate the family home or relocate. We break down the financial equation behind this major decision, covering the hidden costs most people underestimate and the equity considerations that could save you tens of thousands. We also walk through the all-in costs of both options—from stamp duty and agent fees to construction delays and builder insolvencies. We explore why transaction costs are "sunk costs" that create zero equity, how...
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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