360 Money Matters

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...

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...

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,...

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, expl...

Welcome back to another episode of the 360 Money Matters Podcast!  In this episode, we break down catch-up concessional contributions—a government initiative that lets you maximize unused super contribution caps from the past five years. Perfect for anyone who's taken a career break, sold an investment property, or simply wants to optimize their tax position. We show you how to turn a capital gain...

Welcome back to another episode of the 360 Money Matters Podcast!  In this episode, we reveal how to find the sweet spot: protecting your family adequately without draining your finances. Drawing from years of reviewing client insurance policies, we expose the most common mistakes—from relying solely on inadequate default super cover to over-insuring for circumstances that no longer apply. You'll...

Welcome back to another episode of the 360 Money Matters Podcast!  In this episode, we challenge everything you thought you knew about retirement planning. With Australians now living 25-30 years in retirement instead of 10-15, the old model of "save a lump sum and make it last" is dangerously outdated. We explore why income sufficiency matters more than capital targets, how to structure your draw...

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...