360 Money Matters

Billy Amiridis and Andrew Nicolaou
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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. 1d ago

    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

    23 min

  2. May 26

    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

    23 min

  3. May 19

    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

    21 min

  4. May 12

    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

    23 min

  5. May 5

    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

    24 min

  6. Apr 28

    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

    18 min

  7. Apr 21

    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

    22 min

  8. Apr 14

    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

    17 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 - 2026
  • Episodes
    236
  • Rating
    Clean
  • Copyright
    © Billy Amiridis 2024
  • Show Website
    360 Money Matters

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