360 Money Matters

Billy Amiridis and Andrew Nicolaou
  • 4.9 (8)
  • INVESTING
  • UPDATED WEEKLY

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.

  1. 6 DAYS AGO

    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! 360 Financial Strategists    Check out our latest episode here:  Apple Podcast Spotify

    19 min

  2. 4 NOV

    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! 360 Financial Strategists    Check out our latest episode here:  Apple Podcast Spotify

    21 min

  3. 28 OCT

    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! 360 Financial Strategists    Check out our latest episode here:  Apple Podcast Spotify

    20 min

  4. 21 OCT

    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! 360 Financial Strategists    Check out our latest episode here:  Apple Podcast Spotify

    29 min

  5. 14 OCT

    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! 360 Financial Strategists    Check out our latest episode here:  Apple Podcast Spotify

    20 min

  6. 7 OCT

    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! 360 Financial Strategists    Check out our latest episode here:  Apple Podcast Spotify

    27 min

  7. 30 SEPT

    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! 360 Financial Strategists    Check out our latest episode here:  Apple Podcast Spotify

    17 min

  8. 23 SEPT

    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! 360 Financial Strategists    Check out our latest episode here:  Apple Podcast Spotify

    29 min
See All (210)

Ratings & Reviews

4.9
out of 5
8 Ratings

About

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.

Information

  • Creator
    Billy Amiridis and Andrew Nicolaou
  • Years Active
    2021 - 2025
  • Episodes
    210
  • Rating
    Clean
  • Copyright
    © Billy Amiridis 2024
  • Show Website
    360 Money Matters

You Might Also Like