360 Money Matters

Welcome back to another episode of the 360 Money Matters Podcast! This week, hosts Billy Amiridis and Andrew Nicolaou turn their attention to a topic close to home for both of them , with kids of their own approaching working age: the money lessons worth teaching when a young person starts their first job.   Billy and Andrew work through some of the practical basics that often get overlooked, star...

Welcome back to another episode of the 360 Money Matters Podcast! This week, hosts Billy Amiridis and Andrew Nicolaou put on their myth busting hats and work through 10 of the most common money myths they hear from clients and listeners.   From the idea that rent money is dead money, to the belief that you should pay off your mortgage completely before you start investing, Billy and Andrew unpack...

Welcome back to another episode of the 360 Money Matters Podcast! This week, hosts Billy Amiridis and Andrew Nicolaou take on a word that's starting to resurface in economic commentary: stagflation.   Billy and Andrew walk through the latest interest rate, inflation and unemployment data at the time of recording, explaining why the combination of rising prices, slowing growth and rising unemployme...

Welcome back to another episode of the 360 Money Matters Podcast! This week, hosts Billy Amiridis and Andrew Nicolaou tackle a question a lot of people have sitting quietly in the background of their finances: what should you actually do with an old employer superannuation fund?   Billy and Andrew start by explaining how these old funds usually come about, often set up by default through a workpla...

Welcome back to another episode of the 360 Money Matters Podcast! This week, hosts Billy Amiridis and Andrew Nicolaou tackle one of the most common questions they hear from people just starting out with financial advice: I've got some savings sitting there, now what do I do with it?   Using $50,000 as an example figure, Billy and Andrew walk through the decision making process they actually use wi...

Welcome back to another episode of the 360 Money Matters Podcast!   In this episode, Billy and Andrew take a closer look at an important part of financial planning that many people hope they never have to deal with: making an insurance claim. The focus is on permanent disability (TPD) and income protection insurance, including what happens when something goes wrong, how a claim begins and some of...

Welcome back to another episode of the 360 Money Matters Podcast! This week, hosts Billy Amiridis and Andrew Nicolaou take on a topic they're seeing more and more of in their work with clients: grey divorce, or separations happening later in life, typically after the age of 60.   Billy and Andrew explain why divorce rates for people over 60 have been climbing even as overall divorce rates fall, an...

Welcome back to another episode of the 360 Money Matters Podcast! This week, hosts Billy Amiridis and Andrew Nicolaou dig into what's often called the sandwich generation, those who find themselves financially supporting both their children and their ageing parents at the same time.   Billy and Andrew explain why this stage of life can be particularly difficult to navigate financially, often landi...

Welcome back to another episode of the 360 Money Matters Podcast! To mark a genuine milestone, hosts Billy Amiridis and Andrew Nicolaou are celebrating five years and 250 episodes of the podcast by distilling everything they've learned into one rapid fire episode: their 25 biggest money lessons.   Rather than a deep dive into a single topic, this episode moves quickly through some of the most impo...

Welcome back to another episode of the 360 Money Matters Podcast! This week, hosts Billy Amiridis and Andrew Nicolaou unpack a topic that comes up regularly in their estate planning conversations with clients: testamentary trusts.   They start with the basics: what a testamentary trust actually is, how it differs from other trust structures, and why it only comes into existence after someone passe...

Welcome back to another episode of the 360 Money Matters Podcast! This week, hosts Billy Amiridis and Andrew Nicolaou tackle a question that catches a lot of people off guard: what should you actually do when you receive a lump sum of money? Whether it's an inheritance, a work bonus, a redundancy payout, or any other unexpected windfall, Billy and Andrew explain why the initial instinct to spend o...

Welcome back to another episode of the 360 Money Matters Podcast! This week, hosts Billy Amiridis and Andrew Nicolaou dig into a topic that's front of mind for a lot of people right now: how artificial intelligence is changing the way we manage money. Billy and Andrew are upfront from the outset that AI is not replacing a financial advisor, but it is changing what's possible for everyday Australia...

Welcome back to another episode of the 360 Money Matters Podcast! In this episode, Billy and Andrew break down the financial mistakes that catch people out most, not the obvious ones like risky speculation, but the ones made by people who genuinely think they're doing the right thing. These are the quiet, compounding errors that cost the most in dollars and time. They walk through seven of the big...

Welcome back to another episode of the 360 Money Matters Podcast! In this episode, Billy and Andrew sit down with Dimitri Damianos from Buxton in Oakleigh to answer the question every buyer and seller is quietly asking right now: is the Melbourne property market actually falling, or just changing shape? With ten years on the ground selling in Melbourne's south-east, Dimi cuts through the media hea...

Welcome back to another episode of the 360 Money Matters Podcast! In this episode, Billy and Andrew tackle the question most buyers never ask until it's too late: what does a dream home actually cost once you move past the purchase price? Timed against recent federal budget changes, they break down why more people are pouring money into their own home instead of investment property, and why that d...

Welcome back to another episode of the 360 Money Matters Podcast! In this episode, Billy and Andrew tackle a question most business owners have never stopped to ask: what actually happens to the business, and to the people left behind, if something happens to your business partner? Using their own partnership as a real-world example, they break down why this isn't about replacing a role or keeping...

Welcome back to another episode of the 360 Money Matters Podcast! In this episode, Billy and Andrew tackle one of the most common questions they get asked: should you be debt free before you invest?  With Australia's 30-year mortgage terms, waiting until the house is paid off before investing can mean losing decades of compound growth — so the real answer is more nuanced than a simple yes or no. T...

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...