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1.5K to 9K🎙 Daily cadence·230 episodes·Last published yesterday - Monthly Reach
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On the show
Recent episodes
239. The Hidden Cost of Being Comfortable
Jun 23, 2026
Unknown duration
238. The Next Generation Won't Retire Like Their Parents
Jun 16, 2026
Unknown duration
237. Subscription economy - death by a thousand cuts
Jun 9, 2026
Unknown duration
236. The government just changed property rules – Does rent vesting still make sense
Jun 2, 2026
Unknown duration
235. Inside a $2M Portfolio How It Should Actually Be Structured
May 26, 2026
Unknown duration
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| Date | Episode | Description | Length | ||||||
|---|---|---|---|---|---|---|---|---|---|
| 6/23/26 | 239. The Hidden Cost of Being Comfortable | Welcome back to another episode of the 360 Money Matters Podcast! In this episode, Billy and Andrew explore the hidden cost of being comfortable, and why financial comfort can actually sabotage your wealth-building. When your bills are paid, money's left over each month, and life feels good, it's easy to stop pushing forward. But comfort breeds complacency. Andrew and Billy break down why getting comfortable is just the first step, and the real danger lies in mistaking it for financial security. If you're earning solid income and feel like you're doing okay financially, but you're unsure whether you'll actually be able to retire on your terms, this episode reveals what's holding you back, and the simple micro-actions you can start 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 The critical difference between being financially comfortable and financially secure How lifestyle inflation sneaks in and erodes your surplus faster than you realize Why paying yourself first is non-negotiable The compound cost of delaying investment, and how it sets you back years High income doesn't equal wealth: why surplus is what actually matters The psychology of comfort: how it leads to drifting without a plan Why your superannuation alone won't deliver the retirement lifestyle you expect Micro-actions that work: direct debit, starting small with $20/week, and building from there Connect with Billy and Andrew! 360 Financial Strategists Check out our latest episode here: Apple Podcast Spotify | — | ||||||
| 6/16/26 | 238. The Next Generation Won't Retire Like Their Parents | Welcome back to another episode of the 360 Money Matters Podcast! In this episode, Billy and Andrew In this episode, Billy and Andrew explore why the traditional retirement model—work until 65, collect your gold watch, live on age pension—is completely obsolete for the next generation. They unpack the real reasons retirement looks so different now: property costs, extended mortgages, lifestyle expectations, and longer lifespans have fundamentally shifted the goalposts. If you're wondering whether you'll actually retire, or how your retirement might look different from your parents', this episode breaks down what's changed, why it matters, and what you actually need to 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 old retirement model no longer works How mortgages became a 30+ year burden requiring two incomes The cost of living and lifestyle expectation squeeze Why you're living longer but have less time to build wealth Inheritance as a requirement, not a bonus and the wealth inequality gap Technology enabling extended working careers (by choice and necessity) The strategies that still work and why you need a personalized plan Connect with Billy and Andrew! 360 Financial Strategists Check out our latest episode here: Apple Podcast Spotify | — | ||||||
| 6/9/26 | 237. Subscription economy - death by a thousand cuts | 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 goals that actually improve your financial future. Listen now to discover where your money may be quietly disappearing and how a few small changes could free up hundreds of dollars each month. - 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 subscription services are creating "death by a thousand cuts" for household cash flow How convenience and automation remove the pain of spending The hidden cost of multiple streaming services, apps, memberships, and recurring payments Why higher-income earners often experience the biggest subscription leakage A simple process for reviewing and categorising your subscriptions Why cancelling subscriptions is easier than most people think How to turn subscription savings into wealth-building opportunities The importance of spending intentionally instead of spending by default Connect with Billy and Andrew! 360 Financial Strategists Check out our latest episode here: Apple Podcast Spotify | — | ||||||
| 6/2/26 | 236. The government just changed property rules – Does rent vesting still make sense | 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 rentvesting in the post-budget environment: what it is, why people do it, and whether the numbers still make sense now that the tax landscape has changed. This episode is for anyone who is rentvesting right now, considering it, or simply trying to figure out which property path — owning or investing — is actually right for them. - 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 rentvesting actually is and why it's become more popular than ever The real financial trade-offs: capital growth, cash flow, and opportunity cost compared side by side How the latest budget changes to negative gearing and CGT shift the calculation for investors Why the emotional pull of home ownership is real and when it's actually the right call The question you must answer before choosing any property strategy: what are you actually trying to solve for? The key risk most people miss: once governments start adjusting property tax rules, what stops them doing it again? Connect with Billy and Andrew! 360 Financial Strategists Check out our latest episode here: Apple Podcast Spotify | — | ||||||
| 5/26/26 | 235. Inside a $2M Portfolio How It Should Actually Be Structured | 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 it should be. - 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 starting with your investment goal — not your investment choice — changes everything What a core satellite strategy actually looks like in practice, and why it suits a larger portfolio The real difference between holding assets in super vs. your personal name and why the tax gap is massive How to design income from a portfolio without triggering unnecessary capital gains Why debt recycling can be a smart tool, not just added risk The "silent killer" — how tax drag quietly erodes returns over time Why a great strategy still needs to adapt when life circumstances change Connect with Billy and Andrew! 360 Financial Strategists Check out our latest episode here: Apple Podcast Spotify | — | ||||||
| 5/19/26 | 234. Why Most Financial Plans Fail Within 12 Months — And How to Avoid It | 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 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 complexity kills momentum before it even starts The danger of having no clear first step and how to fix it Why implementation support is worth more than the strategy itself How your own behaviour is a bigger threat to your wealth than any market downturn Why trying to be perfect and timing the market is a plan to fail The power of anchoring your financial plan to a personal goal — your real "North Star" How accountability is the missing ingredient most people overlook Connect with Billy and Andrew! 360 Financial Strategists Check out our latest episode here: Apple Podcast Spotify | — | ||||||
| 5/12/26 | 233. Financial Advice Fees: What Are You Really Paying For? | 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 advice altogether because the cost felt unclear. - 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 people misunderstand what an advice fee actually covers The difference between one-off advice and an ongoing client relationship How fee structures (percentage vs. flat fee vs. hourly) change what you receive What to expect at each stage: upfront advice vs. annual review The compliance and infrastructure costs behind every recommendation How to assess whether your current adviser fee represents real value Questions you should be asking your adviser right now Connect with Billy and Andrew! 360 Financial Strategists Check out our latest episode here: Apple Podcast Spotify | — | ||||||
| 5/5/26 | 232. The Financial Advice myths that cost you money | 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 episode is your mirror moment. - 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 "I'll invest when things settle down" is just uncertainty dressed up as strategy The property vs. shares debate and why the data might surprise you Pay off the mortgage first, then invest: why waiting 20–30 years is a wealth creation trap Superannuation the most powerful wealth vehicle most people ignore Why holding too much cash is also a financial mistake "I don't earn enough to invest yet" — and why $50 a week is all it takes to start Connect with Billy and Andrew! 360 Financial Strategists Check out our latest episode here: Apple Podcast Spotify | — | ||||||
| 4/28/26 | 231. What would happen if your income stopped tomorrow | 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 employer goes under overnight. They walk through how to calculate your real financial burn rate, why "asset rich, cash poor" is a genuine trap, and why insurance covers less than you think when job loss is the problem. If you've never stress-tested your finances against a worst-case scenario, this episode is your starting point and your action plan. - 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 your workplace entitlements are not a safety net and what actually is How to calculate your financial burn rate: fixed vs. discretionary expenses The emergency fund question: 3 months, 6 months, or 12? Where insurance helps and where it leaves a gap The stay-at-home parent life insurance blind spot most families miss Passive income vs. personal exertion income: does yours even make a dent? Why you need a Plan B and how to build one before you need it Connect with Billy and Andrew! 360 Financial Strategists Check out our latest episode here: Apple Podcast Spotify | — | ||||||
| 4/21/26 | 230. The Financial Checklist for Your 40s (The Critical Decade) | 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 non-deductible debt and using super as a tax weapon, to building a clear investment strategy and protecting everything you've worked for. If you're in your 40s, approaching them, or advising someone who is, this is the episode to listen to. - 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 your 40s are the make-or-break decade for long-term financial security The debt strategy: aggressively clearing non-deductible debt while keeping good debt working for you Debt recycling — how to pay down debt and invest at the same time Super isn't optional anymore — it's your most powerful tax structure Concessional contributions, spouse splitting, and how to use super to pay 15% tax instead of your marginal rate Why a piecemeal investment approach quietly destroys your wealth Protecting your plan — why income protection and insurance matter more than ever in this decade Cash flow creep: how rising expenses quietly erase the benefit of a higher income Why a coordinated plan beats isolated decisions every time Connect with Billy and Andrew! 360 Financial Strategists Check out our latest episode here: Apple Podcast Spotify | — | ||||||
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| 4/14/26 | 229. Bucket companies explained - The tax strategy most business owners don't understand | 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 picture. If you're a business owner, self-employed, or running a family trust at high income levels, this episode could reshape how you think about structuring your tax. - 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 a discretionary trust is and why it's the foundation of the strategy How a bucket company becomes a third beneficiary and why that matters Paying 25% company tax today vs. 47% personal tax — the numbers explained Why this is a deferral strategy, not a dodge and when the "top-up tax" kicks in The retirement play: drawing down at 0% tax with franking credit refunds The compounding advantage of investing 75 cents in the dollar instead of 53 Division 7A — the compliance trap that catches people out Who this strategy is actually suited for and who it isn't Connect with Billy and Andrew! 360 Financial Strategists Check out our latest episode here: Apple Podcast Spotify | — | ||||||
| 4/7/26 | 228. The retirement danger zone - The First 5 year risk | 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 retired, or helping someone who is, this episode could be the most important one you listen to this 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 Why sequencing risk can wreck your retirement even with a great average return How drawing down in a falling market locks in losses you may never recover The cash buffer strategy and why almost every retiree should have one The three-bucket approach: short, medium, and long term income planning The 4% rule and when it's okay to break it Why retirement is still a long-term investment, even when you're spending down Connect with Billy and Andrew! 360 Financial Strategists Check out our latest episode here: Apple Podcast Spotify | — | ||||||
| 3/31/26 | 227. What does the war in Iran mean for your portfolio and your financial plan | War in the Middle East. Oil past $100 a barrel. Markets swinging on a tweet. Your petrol bill climbing. What does any of this actually mean for your super, your investments, and your financial plan? Billy and Andrew have been fielding this question from clients all week and in this episode, they give you the honest, no-politics breakdown of what's happening, why it matters to everyday Australians, and what to do (and not do) with your money right now. Because in moments like this, the biggest risk to your wealth isn't the conflict. It's your reaction to 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 Strait of Hormuz hits your grocery bill, not just the petrol pump Inflation vs. recession — which risk is bigger right now? What stress in the bond market is quietly telling us Duration, not the event — why how long this lasts matters most The practical steps to protect your position and stay invested with confidence Connect with Billy and Andrew! 360 Financial Strategists Check out our latest episode here: Apple Podcast Spotify | — | ||||||
| 3/24/26 | 226. Should you buy your first home or put it into ETF's - A financial adviser's guide | Welcome back to another episode of the 360 Money Matters Podcast! In this episode, Billy and Andrew break down one of the most common questions they get from first home buyers: Should you put your money into property… or into ETFs? With years of experience advising real clients, they go beyond social media opinions and look at the numbers, the risks, and the real-world behavior that actually shapes outcomes. If you're trying to decide where your first serious investment should go, this episode will help you think clearly, avoid common traps, and choose a strategy you can stick with long term. - 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 costs of buying property vs investing in ETFs How historical returns compare over 30 years Why leverage makes property powerful, but also more risky The impact of liquidity and diversification The often ignored behavioral factor that changes everything Connect with Billy and Andrew! 360 Financial Strategists Check out our latest episode here: Apple Podcast Spotify | — | ||||||
| 3/17/26 | 225. Pay Yourself Properly Dividends Trust Distributions and Super Strategy | 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 busy. - 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 Salary vs dividends vs trust distributions, and when to use each How franking credits work and why they always bring you back to your marginal rate The "lifestyle salary rule", why paying yourself the right base changes everything Why mixing personal and business finances destroys your ability to read business health Distributing trust income to adult children Superannuation as a tax reduction tool and a creditor-proof safety net The bucket company strategy — how to delay tax obligations and invest at a lower rate Connect with Billy and Andrew! 360 Financial Strategists Check out our latest episode here: Apple Podcast Spotify | — | ||||||
| 3/10/26 | 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! 360 Financial Strategists Check out our latest episode here: Apple Podcast Spotify | — | ||||||
| 3/3/26 | 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! 360 Financial Strategists Check out our latest episode here: Apple Podcast Spotify | — | ||||||
| 2/24/26 | 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! 360 Financial Strategists Check out our latest episode here: Apple Podcast Spotify | — | ||||||
| 2/17/26 | 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! 360 Financial Strategists Check out our latest episode here: Apple Podcast Spotify | — | ||||||
| 2/10/26 | 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! 360 Financial Strategists Check out our latest episode here: Apple Podcast Spotify | — | ||||||
| 2/3/26 | 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! 360 Financial Strategists Check out our latest episode here: Apple Podcast Spotify | — | ||||||
| 1/27/26 | 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! 360 Financial Strategists Check out our latest episode here: Apple Podcast Spotify | — | ||||||
| 1/20/26 | 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! 360 Financial Strategists Check out our latest episode here: Apple Podcast Spotify | — | ||||||
| 1/13/26 | 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! 360 Financial Strategists Check out our latest episode here: Apple Podcast Spotify | — | ||||||
| 1/6/26 | 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! 360 Financial Strategists Check out our latest episode here: Apple Podcast Spotify | — | ||||||
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