360 Money Matters
Welcome to the 360 Money Matters podcast where Financial Planners, Billy Amiridis and Andrew Nicolaou talk all things Financial Planning. This podcast aims to increase your knowledge and confidence with all thing’s money. Each week we will cover topics such as investing, cashflow and budgeting, saving, passive income, debt management, and much more so you can live life on your terms without limits.
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224. From 2 Properties to 10- Scaling a Property Portfolio Safely
03/10/2026
224. From 2 Properties to 10- Scaling a Property Portfolio Safely
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 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 Why most investors run out of borrowing capacity before they run out of ambition Starting with the end in mind, why your exit strategy shapes every decision Ownership structures: personal, trust, or company — and what the banks are doing now Cash flow as oxygen: why negatively geared portfolios compound risk at scale Balancing yield vs. growth properties to keep your borrowing capacity alive Debt structuring, cross-collateralisation, and offset optimisation How to stage a sell-down and avoid a single massive CGT event at retirement Connect with Billy and Andrew! Check out our latest episode here:
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223. Most common questions we get asked in a Market Decline
03/03/2026
223. Most common questions we get asked in a Market Decline
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 course. Tune in to learn how to navigate market declines without sabotaging your long-term goals. - 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 Why getting out during volatility locks in losses The top 10 recovery days you can't afford to miss Is this time different? Why your portfolio drops when news sounds bad Did we invest in the wrong things? Why volatility is unpredictable by nature The tree analogy: nurturing vs. uprooting your investments Connect with Billy and Andrew! Check out our latest episode here:
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222. Market Wrap
02/24/2026
222. Market Wrap
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. - 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 Trump's Fed Chair pick Kevin Walsh and the market volatility it triggered 85-90% of US companies beat earnings expectations—one of the strongest seasons in years Australia's rate rise while global economies cut rates (and why the market pricing in another by November) China's house prices down despite 5% GDP growth—the wealth effect in reverse ASX 200 up 1.84% in January despite headwinds Aussie dollar at 70 cents—what it means for travelers and exporters Why interest rate policy only directly impacts one-third of mortgage holders Connect with Billy and Andrew! Check out our latest episode here:
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221. The financial middle class squeeze - Earn more, feel poorer
02/17/2026
221. The financial middle class squeeze - Earn more, feel poorer
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 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 Why the "middle-class squeeze" hits hardest between upper and lower income brackets How businesses have become smarter at getting you to spend without noticing The real cost of social media comparison and lifestyle creep Why housing and taxation are compounding the problem Practical strategies to prioritize financial flexibility over lifestyle optimization Connect with Billy and Andrew! Check out our latest episode here:
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220. Shares vs Property - The great debate that everyone gets wrong
02/10/2026
220. Shares vs Property - The great debate that everyone gets wrong
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 than shares. You'll discover why the right answer depends on your cash flow, life stage, and ability to handle market noise - not what your mate's grandfather made on his investment property. Tune in to finally understand what actually matters when building long-term wealth. - 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 Why headline return comparisons are meaningless The leverage trap: how debt magnifies both gains and losses Hidden property costs that destroy your actual returns Liquidity matters: selling a bedroom vs selling shares Concentration risk - one tenant vs diversified income streams The behavioral edge property has over shares Tax structures that change everything Connect with Billy and Andrew! Check out our latest episode here:
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219. The Financial Risk of Buying Off the plan Property
02/03/2026
219. The Financial Risk of Buying Off the plan Property
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 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 Valuation gaps at settlement and what happens when banks won't lend Developer and builder insolvency risks (lessons from COVID) How lending conditions can change between signing and settlement Quality defects and contract fine print that protects builders, not buyers Hidden costs: strata fees, special levies, and owners corporation surprises Sunset clauses and how developers can cancel your contract for profit Limited capital growth in high-density apartment markets Why choosing the right builder matters as much as the property itself Connect with Billy and Andrew! Check out our latest episode here:
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218. The Hidden Cost of Being Good With Money
01/27/2026
218. The Hidden Cost of Being Good With Money
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 cost you more than you realize—both financially and personally. Tune in to learn how to find the balance between financial security and actually living the life your money is meant to create. - 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 The real-life cost of extreme financial discipline without purpose How excess cash savings silently erode through inflation and opportunity cost Why being "60% certain" is enough to make financial decisions The compounding opportunity you lose by waiting for perfect timing Tax traps from holding assets in the wrong ownership structures When saving on fees costs you more in the long run Why being good with money doesn't automatically build wealth Connect with Billy and Andrew! Check out our latest episode here:
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217. Curing the New Year overspending hangover
01/20/2026
217. Curing the New Year overspending hangover
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. Tune in to discover how to reset your systems, not just your willpower. - 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 Acknowledging overspending without shame or avoidance The 30-minute spending reset to categorize December/January expenses Cutting invisible aftershocks: subscriptions, deferred payments, and planned projects Why you should pay off credit card debt immediately, even from savings Triage before optimize: protecting long-term investments while clearing short-term debt Building a December buffer with small, consistent savings throughout the year Resetting financial systems instead of relying on willpower Connect with Billy and Andrew! Check out our latest episode here:
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216. Renovate or Relocate - The Financial Equation Behind the Decision
01/13/2026
216. Renovate or Relocate - The Financial Equation Behind the Decision
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 renovations can add more value than their cost, and the cash flow challenges that can derail even well-planned projects. Tune in to understand the complete financial picture before you make your move. - 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 True all-in costs: renovating vs relocating Why transaction costs destroy equity How renovations can return more than you invest Cash flow and borrowing capacity considerations Risk factors: construction delays, builder insolvency, and council approvals Lifestyle and livability factors beyond the dollars Tax implications and over-capitalization risks Break-even timelines for your investment Connect with Billy and Andrew! Check out our latest episode here:
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215. The Hidden Costs of Raising Children
01/06/2026
215. The Hidden Costs of Raising Children
Welcome back to another episode of the 360 Money Matters Podcast! In this episode, we break down the real costs of raising children and share practical strategies to balance your kids' opportunities with your own financial security. Drawing from our experience advising families navigating these decisions, we discuss private school alternatives, the danger of over-committing even on high incomes, and why teaching your kids about money matters more than any deposit you give them. Tune in to discover how to future-proof your family's finances without sacrificing your own wealth goals. - 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 The true lifetime cost: $450K–$600K (and why it's often higher) Education expenses: public vs. private school trade-offs The oxygen mask principle: balancing kids' needs with your financial security Future-proofing for milestones: cars, uni, first home deposits Teaching kids financial literacy to build generational wealth Insurance and risk protection when family expenses increase Connect with Billy and Andrew! Check out our latest episode here:
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214. Difference Between Offset and Redraw Accounts
12/09/2025
214. Difference Between Offset and Redraw Accounts
Welcome back to another episode of the 360 Money Matters Podcast! In this episode, we tackle one of the most common questions we receive: what's the difference between offset and redraw accounts? While both reduce the interest you pay on your mortgage, understanding the crucial differences could save you significant money down the track. In this episode, we break down how each account works, explain why your repayments stay the same even with money in offset, and reveal the critical tax implications that catch homeowners off guard when their circumstances change. Using real-world examples, we show how choosing redraw over offset can destroy your tax deductibility if you ever convert your home to an investment property. Whether you're a first-time buyer or refinancing, this episode will help you make the right choice for your situation and avoid costly mistakes. - 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 How offset and redraw accounts both reduce mortgage interest Why your repayments stay the same regardless of offset balance The critical tax difference between offset and redraw for investment properties Real-world scenario: converting your home to an investment property When redraw accounts might actually be the better choice Maximizing tax deductibility for future flexibility Connect with Billy and Andrew! Check out our latest episode here:
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213. The Power of Catch Up Super Contributions
12/02/2025
213. The Power of Catch Up Super Contributions
Welcome back to another episode of the 360 Money Matters Podcast! In this episode, we break down catch-up concessional contributions—a government initiative that lets you maximize unused super contribution caps from the past five years. Perfect for anyone who's taken a career break, sold an investment property, or simply wants to optimize their tax position. We show you how to turn a capital gain windfall into retirement wealth at just 15% tax instead of your marginal rate. We explain why timing matters, how to track your unused caps on MyGov, and the critical mistakes that can cost you if you over-contribute. Tune in to find out if this strategy could save you thousands in tax this financial year. - 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 What catch-up concessional contributions are and who qualifies The $500,000 super balance threshold and five-year rule Converting 47% tax to 15% on high-income contributions Strategic timing for capital gains and career breaks How to track unused caps on MyGov without over-contributing Pairing catch-up contributions with downsizer and other super strategies Balancing tax savings against locking money away until retirement Connect with Billy and Andrew! Check out our latest episode here:
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212. How to Protect Your Family’s Future Without Overpaying for Insurance
11/25/2025
212. How to Protect Your Family’s Future Without Overpaying for Insurance
Welcome back to another episode of the 360 Money Matters Podcast! In this episode, we reveal how to find the sweet spot: protecting your family adequately without draining your finances. Drawing from years of reviewing client insurance policies, we expose the most common mistakes—from relying solely on inadequate default super cover to over-insuring for circumstances that no longer apply. You'll discover how insurance needs evolve with life stages, how to structure policies tax-efficiently, and practical strategies to reduce premiums without sacrificing protection. Whether you're just starting out or reviewing existing cover, this episode will help you make informed decisions about one of the most important—yet most misunderstood—aspects of financial planning. - 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 The four types of personal insurance and when they overlap Why default super cover usually isn't enough How to calculate insurance needs based on your life stage Structuring strategies to reduce premiums (step vs level, waiting periods, super funding) Tax implications of holding policies inside vs outside superannuation Common mistakes that leave families exposed or overpaying Real cost perspective: What you're actually paying per day for peace of mind Connect with Billy and Andrew! Check out our latest episode here:
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211. Retirement Planning Has Changed - Why 60 Is the New 50
11/18/2025
211. Retirement Planning Has Changed - Why 60 Is the New 50
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 risk, discover how to build a retirement plan that actually funds the life you want to live—not just survives until the money runs out. Tune in to discover what modern retirement planning really looks like. - 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 Why the ASFA benchmark of $690,000 is dangerously misleading Income sufficiency vs. capital targets: Planning for lifestyle phases, not just lump sums The phased retirement trend: Why people are working longer (and happier) Superannuation vs. property: Tax implications that change everything Protecting your retirement from inflation and market volatility using bucketing strategies The 4% rule and sequencing risk: When market timing matters most Warren Buffett's principle applied to retirement drawdowns Connect with Billy and Andrew! Check out our latest episode here:
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210. Market Wrap
11/11/2025
210. Market Wrap
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 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 US market rally: Why the S&P 500 gained 3.2% despite mixed signals Inflation trends and Fed rate cut expectations Australian interest rates: Why cuts are off the table Property market surge and FOMO factors China's GDP growth and the $8.5B rare earths deal Gold's 57% gain and commodity market volatility Connect with Billy and Andrew! Check out our latest episode here:
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209. The Power of Compounding - Why Starting Now Beats Starting Big
11/04/2025
209. The Power of Compounding - Why Starting Now Beats Starting Big
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 yesterday, and the second best time is today. - 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 How compounding interest works (earning returns on your returns) Comparing early versus late investing with real numbers The Rule of 72 for calculating when investments double Why people delay investing until they have "enough" money Dividend reinvestment and automation strategies Why interrupting compound interest is costly How superannuation demonstrates compounding through preservation rules The importance of staying invested and avoiding withdrawals Connect with Billy and Andrew! Check out our latest episode here:
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208. How do you manage upsizing your family home
10/28/2025
208. How do you manage upsizing your family home
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 temporarily moving in with family. Listen to this episode if you're planning to upsize and want to understand your options before you commit. - 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 The buy-first versus sell-first decision and the pressures each approach creates How bridging loans work and when they make sense to use Managing settlement timing and the risks of matching dates Using equity release from your current property to fund the new purchase The cost considerations beyond the property price Serviceability requirements and why available equity doesn't guarantee approval Connect with Billy and Andrew! Check out our latest episode here:
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207. How the rich stay rich - Tax-efficient investment strategies
10/21/2025
207. How the rich stay rich - Tax-efficient investment strategies
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 tax-efficient income streams. We also touch on estate planning strategies, including testamentary trusts and superannuation recontribution strategies that can minimize tax when passing wealth to the next generation. If you want to understand how to structure your finances more effectively and keep more of what you earn, this episode breaks down the strategies in plain terms. - 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 After-tax returns and why they matter more than gross investment returns Using discretionary trusts for income distribution Superannuation as the most tax-effective structure in Australia Timing asset sales to minimize capital gains tax Good debt versus bad debt strategies Tax-efficient income streams Strategies for those over 60 still working to accelerate wealth Estate planning through testamentary trusts Superannuation recontribution strategies Connect with Billy and Andrew! Check out our latest episode here:
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206. Everything you need to know before buying your first property
10/14/2025
206. Everything you need to know before buying your first property
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 steps: setting auction limits, getting building inspections, using buyer's advocates, and making sure you have money left over after settlement. Thinking about taking the plunge into property? This episode gives you the framework to make the decision that's right for you. - 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 Is property ownership the right strategy for you? Pre-approvals: borrowing capacity vs actual affordability Government schemes and stamp duty concessions Paying mortgage insurance now vs saving for 20% deposit Rentvesting and alternative property strategies Setting auction limits and using buyer's advocates Building inspections, contract reviews, and insurance Connect with Billy and Andrew! Check out our latest episode here:
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205. Using debt to invest in shares - Margin Loan
10/07/2025
205. Using debt to invest in shares - Margin Loan
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 strategies, from keeping conservative loan ratios to maintaining emergency funds and ensuring job security. Tune in to understand whether margin lending could fit your investment strategy and learn the essential safeguards you need before considering this higher-risk approach to wealth building. - 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 What is margin lending and how it works Benefits of using debt to invest The risks and downsides of margin lending Margin calls - How lenders can force portfolio sales Risk mitigation strategies Connect with Billy and Andrew! Check out our latest episode here:
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204. Managing finances while you are overseas
09/30/2025
204. Managing finances while you are overseas
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 discover what you need to know before making your overseas move. - 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 Tax residency rules and double taxation risks Currency exchange costs and multi-currency account strategies Superannuation preservation rules and contribution options Cross-border investing and asset structure considerations Insurance coverage and consumer protection differences Estate planning and inheritance tax implications Finding the right professional advice for international finances Connect with Billy and Andrew! Check out our latest episode here:
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203. Divorce & Separation - Financial considerations during and after
09/23/2025
203. Divorce & Separation - Financial considerations during and after
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 superannuation splits. We also address the often-overlooked aspects of insurance reviews, beneficiary updates, and the challenging but essential process of rebuilding financial confidence after separation. Whether you're currently going through a separation or want to be prepared for the unexpected, this episode provides essential guidance for protecting your financial future during difficult times. - 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 Taking stock of financial position - early financial assessment Understand when to use lawyers versus financial advisors for optimal outcomes Weighing negotiation/mediation benefits against the costs, stress, and time of going to court. Handling joint expenses and bills while living separately without damaging credit Secure joint accounts and understand tax implications of different asset choices Superannuation and property considerations Rebuild financial confidence and update beneficiaries without losing investment time Connect with Billy and Andrew! Check out our latest episode here:
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202. Asset Rich But Cashflow Poor
09/16/2025
202. Asset Rich But Cashflow Poor
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 emotional challenge of wanting to leave a legacy while sacrificing our current lifestyle, and the role that fear plays in decision-making. Ultimately, we emphasize the importance of planning early, getting advice, and finding balance so we can enjoy life without being trapped by our wealth on paper. Tune in to this episode to learn how we can turn paper wealth into real lifestyle freedom without sacrificing our future. - 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 What it means to be “asset rich but cash flow poor” and why it’s more common than we think How property, businesses, and conservative investments can create hidden cash flow challenges The lifestyle risks of holding onto high-value assets that don’t generate income Why leaving a legacy often conflicts with enjoying life today The impact of rising living costs, taxes, and missed opportunities on financial freedom Strategies to unlock cash flow, from downsizing to reallocating assets The role of fear and security in financial decision-making, especially in retirement Why seeking financial advice early can help balance wealth, income, and lifestyle goals Connect with Billy and Andrew! Check out our latest episode here:
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201. Navigate Money During Major Health Event
09/09/2025
201. Navigate Money During Major Health Event
In this episode, we explore how we can navigate money during major health events, from the immediate financial shock to longer term issues. We discuss the importance of having an emergency fund to cover unexpected medical costs or income disruptions, reviewing and claiming insurance entitlements, and understanding income protection options. We also cover strategies to manage reduced income, from tightening household budgets and pausing mortgage repayments to exploring government support and even selling assets if needed. Beyond the practical, we emphasize setting up powers of attorney, leaning on family, community, or charity support, and working closely with advisors to reassess financial goals once recovery begins. Ultimately, we highlight that being prepared with a plan gives us the flexibility and resilience to handle life’s most difficult moments. Tune in to this episode to learn how we can prepare, adapt, and take control of our finances during major health events so we’re better equipped for life’s toughest challenges. - 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 Why having an emergency fund is essential during a health crisis How to use insurance and income protection to cover unexpected costs Practical steps for managing reduced income and cutting expenses Options for pausing mortgage repayments and accessing financial relief When to consider selling assets and understanding tax implications The importance of powers of attorney and estate planning in medical events Leveraging family, community, and charity support networks Reassessing financial goals and priorities after a major health event Connect with Billy and Andrew! Check out our latest episode here:
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200. Helping Kids Without Impacting Your Retirement
09/02/2025
200. Helping Kids Without Impacting Your Retirement
Welcome back to another episode of the 360 Money Matters Podcast! In this episode, we celebrate our 200th podcast by diving into how we can help our kids financially without jeopardizing our own retirement. We explore the rising trend of parents assisting with property deposits, education costs, rent, or allowing adult children to move back home, and weigh the trade-offs these choices create for our long-term financial security. We discuss the importance of having a solid retirement plan first, considering timing and sustainability, protecting contributions through structures like loans or binding financial agreements, and being able to say no or set conditions without guilt. We also highlight non-monetary ways to help, such as childcare, meals, or being a guarantor, and stress the value of financial literacy for adult children. Ultimately, we encourage thoughtful, strategic planning—often with professional advice—so we can support our kids while still enjoying a secure and fulfilling retirement. Tune in to discover practical, heartfelt strategies for supporting your kids financially without sacrificing your own retirement security. - 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 Balancing helping your kids with protecting your retirement savings Common ways parents support adult children beyond cash gifts Why a solid retirement plan is essential before offering financial help Protecting contributions with loan agreements or binding financial arrangements Non-monetary ways to provide meaningful support The importance of timing and sustainable giving Encouraging financial literacy and independence in adult children Seeking professional advice to avoid tax and structural pitfalls Connect with Billy and Andrew! Check out our latest episode here:
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199. Preparing Financially For a Baby
08/26/2025
199. Preparing Financially For a Baby
Welcome back to another episode of the 360 Money Matters Podcast! In this episode, we go behind how to financially prepare for the arrival of a baby. We explore everything from understanding parental leave entitlements and modeling cash flow changes to budgeting for upfront and ongoing baby expenses. We share practical strategies like using half-pay to stretch income, adjusting emergency funds, and planning for unexpected costs like childcare. We also emphasize the importance of reviewing insurance coverage and estate planning to protect your growing family. Ultimately, we reflect on how flexibility, mental preparedness, and temporary financial pivots are key to navigating this exciting yet vulnerable life stage. Tune in to this episode to gain practical, real-world financial tips that will help you confidently prepare for the life-changing journey of becoming a parent. - 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 Understanding government and employer parental leave entitlements How to calculate and prepare for changes in household cash flow The benefits of taking parental leave at half pay to extend financial support Creating a realistic baby budget: upfront vs. ongoing costs Why an emergency fund needs to grow when a baby is on the way The importance of reviewing life, trauma, and income protection insurance Planning ahead for childcare and education expenses When and why to update your will, guardianship, and beneficiaries The psychological impact of temporary financial setbacks—and how to cope Practical strategies for staying flexible and financially resilient during big life changes Connect with Billy and Andrew! Check out our latest episode here:
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198. True Cost of Owning Property in 2025
08/19/2025
198. True Cost of Owning Property in 2025
Welcome 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. - 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 Why mortgage repayments are just the tip of the iceberg when it comes to property costs The hidden impact of rising interest rates on long-term affordability How government charges like land tax and stamp duty can shift unexpectedly The financial and emotional cost of maintaining and renovating a property Key risks with off-the-plan purchases and construction delays The importance of emergency buffers and realistic budgeting Why strata and body corporate fees can catch owners off guard How opportunity cost plays a major role in long-term property decisions The difference between how much you can borrow vs. how much you should Why property is still a powerful wealth-building tool Connect with Billy and Andrew! Check out our latest episode here:
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197. Market Wrap
08/12/2025
197. Market Wrap
Welcome back to another episode of the 360 Money Matters Podcast! We are back again with our monthly ‘Market Wrap’ segment. In this episode, we explore into a comprehensive market wrap covering July’s economic movements and global financial trends. We discuss the S&P 500's slight dip despite reaching record highs, highlight that 88% of reporting companies exceeded expectations, and analyze the market’s reaction—or lack thereof—due to preemptive pricing. We explore the stabilizing impact of key international trade deals, like those between the U.S. and the EU, Japan, and the Philippines, and assess the ongoing uncertainty in U.S. housing due to oversupply and affordability. We then shift focus to China’s slowed GDP growth and persistent property issues, with hopes pinned on further government stimulus. Closer to home, we examine the ASX 200’s modest rise, the Reserve Bank of Australia's surprise rate hold, and the likelihood of an upcoming interest rate cut. We also note strengthening in the Victorian property market, supported by high clearance rates and spring demand, and touch on how resilient commodity demand from China is boosting Australia’s mining sector and northern property markets. Tune in to this episode for a sharp, engaging breakdown of global markets, interest rates, property trends, and what it all means for your money. - 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 S&P 500 hits all-time highs in July despite a slight monthly dip of 0.66% 88% of reporting U.S. companies beat market expectations—the strongest result since Q2 2021 Trade deal clarity with the EU, Japan, and China helps stabilize global markets U.S. housing data shows softening trends amid rising supply and affordability concerns China’s GDP growth slows to 5.2%, with ongoing property price declines and stimulus hopes ASX 200 rises 0.41% as the RBA surprises by holding rates steady in July Markets anticipate an August rate cut, with 50% odds priced in for a 50 basis point drop Victoria’s property market shows strength with clearance rates around 70% amid spring demand Australian mining and northern property markets benefit from steady Chinese commodity demand Connect with Billy and Andrew! Check out our latest episode here:
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196. Money Rules That No Longer Work in 2025
08/05/2025
196. Money Rules That No Longer Work in 2025
Welcome back to another episode of the 360 Money Matters Podcast! In this episode, we dive into outdated money rules that no longer hold up in 2025. We debunk traditional advice like saving only 10% of your income, always buying property over renting, keeping just a three-month emergency fund, paying off all debt before investing, and expecting to spend less in retirement. We explore how shifts in the economy, rising living costs, and evolving lifestyles demand new financial strategies. From embracing "rentvesting" to rethinking car ownership and investment timing, we break down how modern financial planning must adapt. And we wrap up by reaffirming one timeless truth: always spend less than you earn—and invest the surplus. Tune in to this episode to rethink your money habits and learn which financial rules you need to break to thrive in 2025 and beyond. - 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 Why the 10% savings rule no longer cuts it in today’s economy Renting isn’t dead money—unless you’re not investing the difference Why a 3-month emergency fund may leave you financially exposed Rethinking the idea of paying off all debt before investing The myth of spending less in retirement—and what really happens How car ownership is changing and why paying cash isn't always best The value of adapting old money rules to modern financial realities One timeless principle that still holds true Connect with Billy and Andrew! Check out our latest episode here:
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195. Financial Red Flags: What to Look for in Business, Love, and Life
07/29/2025
195. Financial Red Flags: What to Look for in Business, Love, and Life
Welcome back to another episode of the 360 Money Matters Podcast! In this episode, we explore the topic of financial red flags—what they are, how to spot them, and how to protect ourselves from the consequences. We explore warning signs like secrecy around money, hidden bank accounts, manipulation, unrealistic financial promises, and overleveraging in both business and personal relationships. Drawing on real-life examples and personal experiences, we highlight the importance of transparency, open communication, and the power of documentation. Whether it's about merging finances with a partner or lending money to family, we stress the importance of trusting your gut, working with professionals, and always verifying the details. Plus, we sprinkle in a bit of humor (including a Coldplay joke) to keep things balanced. Tune in to this eye-opening episode to learn how to spot financial red flags and protect yourself from costly mistakes in love, life, and business. - 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 Key financial red flags to watch for in relationships, business, and everyday life Why secrecy or control around money is often a major warning sign The dangers of financial manipulation, gaslighting, and overpromising returns How overleveraging and lifestyle inflation can quietly damage your future Real-world examples of deceitful financial behavior and its consequences Tips for building financial transparency and trust with partners The importance of documentation when lending money to friends or family Practical steps to protect yourself: trust, verify, and work with professionals Connect with Billy and Andrew! Check out our latest episode here:
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