360 Money Matters

Billy Amiridis and Andrew Nicolaou
  • 0.0 (0)
  • 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. 2D AGO

    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

    16 min

  2. FEB 10

    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

    25 min

  3. FEB 3

    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

    26 min

  4. JAN 27

    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

    18 min

  5. JAN 20

    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

    21 min

  6. JAN 13

    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

    22 min

  7. JAN 6

    The Hidden Costs of Raising Children in 2025

    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

    24 min

  8. 12/09/2025

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

    20 min
See All (221)

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 - 2026
  • Episodes
    221
  • Rating
    Clean
  • Copyright
    © Billy Amiridis 2024
  • Show Website
    360 Money Matters

You Might Also Like