360 Money Matters

Billy Amiridis and Andrew Nicolaou
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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.

  1. 1 DAY AGO

    Asset Protection Strategies

    Welcome back to another episode of the 360 Money Matters Podcast!  In this episode, we discuss asset protection strategies, focusing on protecting those assets that you have worked so hard to accumulate.. We highlight the importance of separating personal and business assets, using structures like trusts and company ownership to limit liability. Superannuation is emphasized as a strong protection tool when contributed to properly, while investment bonds provide a middle-ground option. We also stress the value of insurance—life, disability, crisis, and income protection—to maintain financial stability in unforeseen circumstances. Ultimately, we reinforce the need for proactive planning, structuring assets correctly from the start, and regularly reviewing financial strategies to ensure long-term security. Listen now to learn key asset protection strategies and ensure your wealth stays secure for the 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 AMP Financial Planning – AFSL 232706   Episode Highlights Importance of protecting assets from creditors Separating personal and business assets to minimize risk Using trusts and company structures for added asset protection Superannuation as a secure long-term wealth preservation tool Investment bonds as a flexible alternative for medium-term protection The role of insurance in maintaining financial stability Structuring assets correctly from the start to avoid costly mistakes Regularly reviewing financial strategies to ensure ongoing security   Connect with Billy and Andrew! 360 Financial Strategists    Check out our latest episode here:  Apple Podcast Spotify

    21 min

  2. FEB 18

    Frugal February

    Welcome back to another episode of the 360 Money Matters Podcast!  In this episode, we explore how intentional spending can lead to long-term financial benefits. We discuss setting clear savings goals, breaking them into achievable steps, and using accountability to stay on track. Strategies include delaying impulse purchases, optimizing grocery shopping, cooking at home, and enjoying free or low-cost entertainment. We also highlight the importance of auditing subscriptions and even taking on side hustles to boost income while reducing unnecessary spending. Ultimately, we encourage listeners to adopt these habits beyond February to build lasting financial stability. Tune in now to learn practical tips for saving money, cutting unnecessary expenses, and building long-term financial stability with Frugal February!   - 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 AMP Financial Planning – AFSL 232706   Episode Highlights About "Frugal February"  Setting clear, measurable savings goals increases success Strategies include delaying impulse purchases and tracking expenses Cutting unnecessary subscriptions and meal planning Free or low-cost entertainment options  Side hustles that can boost income while reducing idle spending About small financial changes    Connect with Billy and Andrew! 360 Financial Strategists    Check out our latest episode here:  Apple Podcast Spotify

    18 min

  3. FEB 11

    Should I Pay Down Debt or Put Money into Super

    Welcome back to another episode of the 360 Money Matters Podcast!  In this episode, we address a listener's question about whether to focus on paying down debt or contributing to superannuation. We discuss key factors, such as the type of debt, tax benefits of superannuation, and personal risk tolerance, while emphasizing the importance of individual circumstances and long-term goals. Also, we explore strategies like balancing both options, the impact of interest rates, and leveraging equity for investments. Furthermore, we highlight the complexity of this decision and advocate seeking professional advice to optimize financial outcomes. Listen now to learn how to balance debt repayment and super contributions for your financial 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 AMP Financial Planning – AFSL 232706   Episode Highlights About “Should I pay down debt or contribute to superannuation?” Key factors include the type of debt (deductible vs. non-deductible) and its interest rate Tax benefits of making concessional super contributions  Risk tolerance and individual preferences, such as comfort with carrying debt Strategies for balancing debt repayment and super contributions The importance of time horizon and liquidity considerations Equity building through property and its role in wealth creation   Connect with Billy and Andrew! 360 Financial Strategists    Check out our latest episode here:  Apple Podcast Spotify

    17 min

  4. FEB 4

    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 take a deep dive into the latest market movements as we kick off 2025. We discuss the strong performance of the S&P 500, which saw a 2.24% rise in January, despite some pullback due to inflation concerns. We also explore the impact of Trump's return to office, analyzing how the market has largely anticipated his policies. A major highlight is Nvidia’s record-breaking $938 billion market cap loss following the emergence of a Chinese AI competitor.  Turning to global markets, we note Europe's economic struggles, particularly Germany’s declining industrial production and exports. Meanwhile, China shows signs of economic recovery with a rebound in retail sales, despite continued weakness in property investments. Finally, we wrap up with Australia, where the ASX 200 outperformed the US market with a 3.14% gain in January. With inflation dropping to 3.2%, speculation grows about a potential Reserve Bank rate cut, which could provide much-needed relief to mortgage holders and boost consumer confidence. Join us for this comprehensive market wrap as we break down the latest financial trends and what they mean for investors. Tune in now! - 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 AMP Financial Planning – AFSL 232706   Episode Highlights Conflicting economic data S&P 500 performance and market reaction to Trump's return Nvidia’s record-breaking $938 billion market cap loss due to AI competition Europe’s economic struggles, particularly in Germany’s industrial sector China’s economic rebound with rising retail sales but continued property market weakness ASX 200 outperforming the US market with a 3.14% gain in January Inflation drop to 3.2% and speculation on a Reserve Bank rate cut Potential impacts on mortgage holders, consumer confidence, and investment trends   Connect with Billy and Andrew! 360 Financial Strategists    Check out our latest episode here:  Apple Podcast Spotify

    19 min

  5. JAN 28

    Melbourne Property Expectations 2025

    Welcome back to another episode of the 360 Money Matters Podcast!  In this episode, we explore Melbourne's property market trends and expectations for 2025, highlighting its unique underperformance compared to other Australian cities in 2024. While cities like Brisbane and Adelaide saw significant growth, Melbourne experienced a decline. Attributed to factors such as land tax reforms, increased regulatory burdens, and diminished investor confidence. Despite these challenges, we discuss the potential for recovery, driven by Melbourne's growing affordability relative to other cities, possible interest rate cuts, and renewed investor interest. Lastly, we emphasize the importance of aligning investment decisions with personal financial circumstances while identifying Melbourne as a promising medium-to-long-term opportunity for property investment. Tune in now to uncover the latest insights on Melbourne's property market and discover the opportunities ahead for 2025! - 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 AMP Financial Planning – AFSL 232706   Episode Highlights Melbourne’s property market underperformed in 2024 compared to other cities Key factors: land tax reforms, regulations, and low investor confidence Melbourne’s affordability is now more attractive than other capitals Potential interest rate cuts could spark market recovery Consumer and investor confidence may drive a turnaround Importance of aligning investments with financial stability Connect with Billy and Andrew! 360 Financial Strategists    Check out our latest episode here:  Apple Podcast Spotify

    19 min

  6. JAN 21

    Save Tax Leading Up to Retirement

    Welcome back to another episode of the 360 Money Matters Podcast!    In this episode, we discuss strategies for saving tax as you approach retirement, focusing on the Transition to Retirement (TTR) strategy. We explain how individuals can take advantage of tax arbitrage opportunities by utilizing superannuation rules. Key points include the use of two superannuation accounts—accumulation and pension—to optimize income and legally reduce tax obligations. We also explore how salary sacrificing into superannuation while drawing from a pension account can create significant tax savings, potentially amounting to tens of thousands of dollars annually.   Discover how to save thousands in taxes before retirement—tune in now to learn about the Transition to Retirement strategy and maximize your superannuation benefits! - 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 AMP Financial Planning – AFSL 232706   Episode Highlights About the transition to retirement strategy Mechanics of TTR strategy Tax benefits of TTR Contribution and withdrawal limits The complexities involved in managing TTR strategies and the importance of professional advice Connect with Billy and Andrew! 360 Financial Strategists    Check out our latest episode here:  Apple Podcast Spotify

    17 min

  7. JAN 14

    New Years Finance Solutions

    Welcome back to another episode of the 360 Money Matters Podcast!  In this episode, we kick off 2025 with a focus on financial planning for the new year. We discuss revisiting financial goals, reflecting on the past year's successes and challenges, and addressing any financial "hangovers" from the holiday season, such as credit card debt. Additionally, we emphasize the importance of reviewing budgets, managing subscriptions, shopping around for better deals on major expenses, and planning for both short-term and long-term goals. Furthermore, we encourage listeners to anticipate potential roadblocks and consult with financial advisors to refine their goals. Remember, stress that setting a clear strategy early allows for easier adjustments when unexpected changes occur. Wondering how to pay off debt and save for the future? Tune in to our latest episode for tips on a financially sound 2025. - 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 AMP Financial Planning – AFSL 232706   Episode Highlights Reflect on financial goals  Review and adjust the budget for the upcoming year Evaluate insurance providers Identify long-term and short-term financial goals. Anticipate potential roadblocks  Establish a routine for financial planning    Connect with Billy and Andrew! 360 Financial Strategists    Check out our latest episode here:  Apple Podcasts Spotify

    15 min

  8. 12/10/2024

    First Home Saver Super Scheme

    Welcome back to another episode of the 360 Money Matters Podcast!  In this episode, we discuss the First Home Saver Super Scheme (FHSSS), which helps first-time buyers save for a property deposit using superannuation. We highlight its tax benefits, such as contributions taxed at 15% instead of higher marginal rates, potentially saving individuals thousands annually compared to regular savings. However, we note the scheme’s complexity, with restrictions like annual and lifetime caps, making professional advice essential. While we commend its potential, we advocate for simpler rules and higher savings limits to increase accessibility. Want to learn how to supercharge your savings for your first home? Tune in now to discover the secrets of the First Home Super Saver Scheme. - 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 AMP Financial Planning – AFSL 232706   Episode Highlights Introduction to First Home Super Saver scheme Scheme mechanics and benefits Regular savings vs. First Home Super Saver scheme Scheme limitations and complexities Consulting a financial advisor when using the scheme   Connect with Billy and Andrew! 360 Financial Strategists    Check out our latest episode here:  Apple Podcast Spotify Google Podcast

    20 min
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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
    173
  • Rating
    Clean
  • Copyright
    © Billy Amiridis 2024
  • Show Website
    360 Money Matters

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