360 Money Matters

Welcome back to another episode of the 360 Money Matters Podcast! In this episode, Billy and Andrew are joined by Ryan Finlay from Willis Partners. Together they unpack the most significant tax reform Australia has seen in 30 years, breaking down what's coming, who's affected, and what you need to do before July 1, 2027. The federal budget introduced sweeping changes to capital gains tax, negative...

Welcome back to another episode of the 360 Money Matters Podcast! In this episode, Billy and Andrew explore investment bonds and education bonds, a tax-effective vehicle most people have never heard of. But with recent federal budget changes, these are about to become far more popular. If you're a high-income earner looking for tax-efficient investing outside of superannuation, or a parent plannin...

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 gettin...

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 exp...

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...

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, t...

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 wr...

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 firs...

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 understa...

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 ignori...

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 thro...

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...

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 ta...

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...

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,...

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 shap...

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...

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...

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 perspectiv...

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 considere...

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 mone...

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 conve...

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 riski...

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 ta...

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 subscription...