360 Money Matters

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living 25-30 years in retirement instead of 10-15, the old model of "save a lump sum and make it last" is dangerously outdated.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...

Welcome back to another episode of the 360 Money Matters Podcast!  In this episode, we break down how compounding really works, using real examples to show why starting early matters more than starting big. We explain the Rule of 72, share Warren Buffett's wealth story, and discuss why most people struggle to grasp how powerful compounding can be.  We also cover the psychology behind delaying inve...

Welcome back to another episode of the 360 Money Matters Podcast!  In this episode, we break down the mechanics of upsizing your family home. We walk through the classic dilemma of whether to buy first or sell first, exploring the pressures that come with each approach. We cover bridging loans, equity releases, matching settlement dates, and the hidden costs most people don't anticipate. We also d...

Welcome back to another episode of the 360 Money Matters Podcast!  In this episode, we pull back the curtain on the tax strategies that help wealthy Australians preserve their wealth. We walk through the importance of after-tax returns, not just what you earn but what you keep after the tax office takes its share. We cover different investment structures available in Australia, from discretionary...

Welcome back to another episode of the 360 Money Matters Podcast!  In this episode, we walk through the reality of property ownership in today's market. We discuss why mortgage means "life debt" in Latin and whether that's more accurate than ever. We cover getting pre-approvals, understanding what you can actually afford versus what banks will lend you, and strategies like rentvesting that never e...

Welcome back to another episode of the 360 Money Matters Podcast!  In this episode, we dive deep into margin lending - a tool that lets you borrow money using your share portfolio as security. We break down how it works, comparing it to  traditional property loans. We explore the benefits like magnifying your investment gains and tax deductibility, but we don't shy away from the serious risks. We...

Welcome back to another episode of the 360 Money Matters Podcast!  In this episode, we share personal insights as we plan our own move to the Greek islands. We cover the essential financial considerations when living abroad while maintaining Australian assets. We discuss tax residency rules, currency exchange strategies, superannuation limitations, cross-border investing, and the importance of get...

Welcome back to another episode of the 360 Money Matters Podcast!  In this episode, we dive deep into the practical steps you need to take when facing separation or divorce. We explore the importance of taking stock of your financial position early, understanding the difference between legal and financial advice, and why mediation often delivers better outcomes than court proceedings. We cover cri...

Welcome back to another episode of the 360 Money Matters Podcast!  In this episode, we dive into the idea of being "asset rich but cash flow poor," where we might own valuable assets like property or businesses but struggle to generate enough income to support the lifestyle we want. We explore how this imbalance often shows up in retirees holding expensive homes or investment properties that don't...

In this episode, we explore how we can navigate money during major health events, from the immediate financial shock to longer term issues. We discuss the importance of having an emergency fund to cover unexpected medical costs or income disruptions, reviewing and claiming insurance entitlements, and understanding income protection options. We also cover strategies to manage reduced income, from t...

Welcome back to another episode of the 360 Money Matters Podcast!  In this episode, we celebrate our 200th podcast by diving into how we can help our kids financially without jeopardizing our own retirement. We explore the rising trend of parents assisting with property deposits, education costs, rent, or allowing adult children to move back home, and weigh the trade-offs these choices create for...

Welcome back to another episode of the 360 Money Matters Podcast!  In this episode, we go behind how to financially prepare for the arrival of a baby. We explore everything from understanding parental leave entitlements and modeling cash flow changes to budgeting for upfront and ongoing baby expenses. We share practical strategies like using half-pay to stretch income, adjusting emergency funds, a...

Welcome back to another episode of the 360 Money Matters Podcast!  In this episode, we explore the true cost of owning property in 2025. We unpack how most people fixate on mortgage repayments without considering the broader financial landscape—rising interest rates, land tax hikes, government unpredictability (especially in Victoria), and ongoing maintenance or compliance costs. We examine hidden...

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 explore into a comprehensive market wrap covering July's economic movements and global financial trends. We discuss the S&P 500's slight dip despite reaching record highs, highlight that 88% of reporting companies exceeded expectations, and analyze the mar...

Welcome back to another episode of the 360 Money Matters Podcast!  In this episode, we dive into outdated money rules that no longer hold up in 2025. We debunk traditional advice like saving only 10% of your income, always buying property over renting, keeping just a three-month emergency fund, paying off all debt before investing, and expecting to spend less in retirement. We explore how shifts i...

Welcome back to another episode of the 360 Money Matters Podcast!  In this episode, we explore the topic of financial red flags—what they are, how to spot them, and how to protect ourselves from the consequences. We explore warning signs like secrecy around money, hidden bank accounts, manipulation, unrealistic financial promises, and overleveraging in both business and personal relationships. Dra...

Welcome back to another episode of the 360 Money Matters Podcast!  In this episode, we dive into how business owners can turn profit into personal wealth. We explore the dangers of reinvesting every dollar back into your business without building wealth outside of it, and the risks of assuming your business will always remain profitable or sellable. We discuss the importance of paying yourself fir...

Welcome back to another episode of the 360 Money Matters Podcast!  In this episode, we dive into the real cost of procrastination when it comes to personal finances. We explore how delaying decisions—whether it's investing, buying property, sorting out insurance, or getting financial advice—can severely impact long-term wealth. We unpack the power of compounding, the snowball effects of early acti...

Welcome back to another episode of the 360 Money Matters Podcast!  In this episode, we tackle the challenge of managing conflicting financial priorities. We explore the real-life dilemmas many families face balancing private school fees, home upgrades, holidays, and long-term goals like retirement or investment—all within a limited budget. We dive into the importance of understanding personal valu...