211. Retirement Planning Has Changed - Why 60 Is the New 50
360 Money Matters
Welcome back to another episode of the 360 Money Matters Podcast! In this episode, we challenge everything you thought you knew about retirement planning. With Australians now living 25-30 years in retirement instead of 10-15, the old model of "save a lump sum and make it last" is dangerously outdated. We explore why income sufficiency matters more than capital targets, how to structure your drawdown across different lifestyle phases, and why superannuation's tax advantages completely change the game. From bucketing strategies to protect against volatility, to the 4% rule and sequencing...
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210. Market Wrap
360 Money Matters
Welcome back to another episode of the 360 Money Matters Podcast! In this episode, we cut through the noise to explain what's really driving global investment markets. We break down why US markets surged 3.2% despite mixed signals, what inflation trends mean for your money, and why Australian rate cuts aren't coming anytime soon. You'll understand the disconnect between strong corporate earnings and economic uncertainty, plus discover what China's growth and rare earth deals mean for Australian investors. Tune in to get the clarity you need to make smarter investment decisions. - This...
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209. The Power of Compounding - Why Starting Now Beats Starting Big
360 Money Matters
Welcome back to another episode of the 360 Money Matters Podcast! In this episode, we break down how compounding really works, using real examples to show why starting early matters more than starting big. We explain the Rule of 72, share Warren Buffett's wealth story, and discuss why most people struggle to grasp how powerful compounding can be. We also cover the psychology behind delaying investment, the importance of dividend reinvestment, and why superannuation works so well as a compounding vehicle. Listen to this episode to understand why the best time to start investing was...
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208. How do you manage upsizing your family home
360 Money Matters
Welcome back to another episode of the 360 Money Matters Podcast! In this episode, we break down the mechanics of upsizing your family home. We walk through the classic dilemma of whether to buy first or sell first, exploring the pressures that come with each approach. We cover bridging loans, equity releases, matching settlement dates, and the hidden costs most people don't anticipate. We also discuss how to fund the gap between properties, what happens when you need to service two mortgages at once, and practical strategies like converting your current home to an investment property or...
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207. How the rich stay rich - Tax-efficient investment strategies
360 Money Matters
Welcome back to another episode of the 360 Money Matters Podcast! In this episode, we pull back the curtain on the tax strategies that help wealthy Australians preserve their wealth. We walk through the importance of after-tax returns, not just what you earn but what you keep after the tax office takes its share. We cover different investment structures available in Australia, from discretionary trusts to superannuation, and why choosing the right structure early matters more than most people realize. We discuss good debt versus bad debt, the timing of asset sales, and how to create...
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206. Everything you need to know before buying your first property
360 Money Matters
Welcome back to another episode of the 360 Money Matters Podcast! In this episode, we walk through the reality of property ownership in today's market. We discuss why mortgage means "life debt" in Latin and whether that's more accurate than ever. We cover getting pre-approvals, understanding what you can actually afford versus what banks will lend you, and strategies like rentvesting that never existed before. We explore government schemes, stamp duty concessions, and the debate around paying mortgage insurance now versus waiting to save a larger deposit. We also break down the practical...
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205. Using debt to invest in shares - Margin Loan
360 Money Matters
Welcome back to another episode of the 360 Money Matters Podcast! In this episode, we dive deep into margin lending - a tool that lets you borrow money using your share portfolio as security. We break down how it works, comparing it to traditional property loans. We explore the benefits like magnifying your investment gains and tax deductibility, but we don't shy away from the serious risks. We also talk about margin calls - the scary scenario where lenders can force you to sell investments or add more money when your portfolio drops in value. We cover practical risk management...
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204. Managing finances while you are overseas
360 Money Matters
Welcome back to another episode of the 360 Money Matters Podcast! In this episode, we share personal insights as we plan our own move to the Greek islands. We cover the essential financial considerations when living abroad while maintaining Australian assets. We discuss tax residency rules, currency exchange strategies, superannuation limitations, cross-border investing, and the importance of getting specialist advice. We explore how double taxation can catch people off guard and why your regular accountant might not have the expertise you need for international finances. Tune in to...
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203. Divorce & Separation - Financial considerations during and after
360 Money Matters
Welcome back to another episode of the 360 Money Matters Podcast! In this episode, we dive deep into the practical steps you need to take when facing separation or divorce. We explore the importance of taking stock of your financial position early, understanding the difference between legal and financial advice, and why mediation often delivers better outcomes than court proceedings. We cover critical areas like managing cash flow during transition periods, protecting joint accounts from unauthorized transactions, and navigating complex decisions around property valuations and...
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202. Asset Rich But Cashflow Poor
360 Money Matters
Welcome back to another episode of the 360 Money Matters Podcast! In this episode, we dive into the idea of being “asset rich but cash flow poor,” where we might own valuable assets like property or businesses but struggle to generate enough income to support the lifestyle we want. We explore how this imbalance often shows up in retirees holding expensive homes or investment properties that don’t provide sufficient cash flow, forcing tough choices between maintaining assets, downsizing, or finding ways to unlock equity. We talk through the risks of rising living costs, the...
info_outlineWelcome back to another episode of the 360 Money Matters Podcast!
In this episode, we explore the true cost of owning property in 2025. We unpack how most people fixate on mortgage repayments without considering the broader financial landscape—rising interest rates, land tax hikes, government unpredictability (especially in Victoria), and ongoing maintenance or compliance costs. We examine hidden costs like body corporate fees, off-the-plan construction risks, and the opportunity cost of tying up capital in underperforming assets. Throughout the episode, we reflect on how property ownership can still be a powerful wealth-building tool if approached with foresight, strategy, and solid financial buffers. We also share personal anecdotes, hard truths, and a few laughs while emphasizing that success in property comes from being prepared, not just optimistic.
Tune in to uncover the real costs of property ownership in 2025 and learn how to make smarter financial decisions before you buy.
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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 & Andrew Nicolaou of 360 Financial Strategists Pty Ltd, authorized representatives and credit representatives of Akumin Financial Planning – AFSL 232706
Episode Highlights
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Why mortgage repayments are just the tip of the iceberg when it comes to property costs
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The hidden impact of rising interest rates on long-term affordability
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How government charges like land tax and stamp duty can shift unexpectedly
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The financial and emotional cost of maintaining and renovating a property
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Key risks with off-the-plan purchases and construction delays
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The importance of emergency buffers and realistic budgeting
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Why strata and body corporate fees can catch owners off guard
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How opportunity cost plays a major role in long-term property decisions
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The difference between how much you can borrow vs. how much you should
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Why property is still a powerful wealth-building tool
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