『360 Money Matters』のカバーアート

360 Money Matters

360 Money Matters

著者： Billy Amiridis and Andrew Nicolaou
無料で聴く

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10月19日まで。※適用条件あり
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.Billy Amiridis 2024 個人ファイナンス 経済学
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  • 252. Grey Divorce: Protecting Your Finances After Age 60

    252. Grey Divorce: Protecting Your Finances After Age 60
    2026/09/22
    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, and why this stage of life brings a unique set of financial challenges. Unlike a younger couple with decades ahead of them to rebuild and let compounding work in their favour, an older couple separating has far less time and far fewer options to recover financially. The conversation covers how superannuation and the family home are usually the two biggest assets in play, the different ways superannuation can be split, and why focusing purely on the percentage split can lead to a worse outcome than focusing on the actual income and lifestyle result at the end of it. Billy and Andrew share a real client example of how prioritising the family home during a separation led to a costly downsizing decision years later. They also discuss the emotional side of separating later in life, why rushing into big financial decisions during an emotionally charged period can backfire, and why collaborative law can be a more cost effective and less adversarial alternative to a traditional legal battle. The episode closes with practical tips for anyone going through a separation, from record keeping and asset valuations to setting clear interim arrangements. This episode is for anyone going through, or supporting someone going through, a separation later in life, as well as anyone wanting to understand how these decisions can affect long term financial security. It's a candid, practical look at a topic that doesn't get talked about often enough. 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, authorised representatives and credit representatives of Akumin Financial Planning – AFSL 232706. Episode Highlights Why divorce rates for people over 60 are rising even as overall divorce rates fall. Why older couples have far less time and fewer options to financially recover from a separation than younger couples. How superannuation and the family home are typically the two main assets divided in a separation. The difference between a payment split and a flagging order when dividing superannuation. Why focusing on the percentage split rather than the actual income outcome can leave someone financially worse off. A real example of how prioritising the family home during a separation led to a costly downsizing decision years later. Why rushing into big financial decisions during an emotionally charged separation can backfire. How collaborative law can reduce legal costs and lead to a fairer outcome than an adversarial legal process. Practical steps to take during a separation, including record keeping, asset valuations, and setting clear interim arrangements. Connect with Billy and Andrew! 360 Financial Strategists Check out our latest episode here: Apple Podcast Spotify
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    21 分
  • 251. The Sandwich Generation: Balancing Kids, Parents and Money

    251. The Sandwich Generation: Balancing Kids, Parents and Money
    2026/09/15
    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 landing right in the middle of peak career years, rising school costs, sizeable mortgages, and the added pressure of helping to fund aged care or other support for parents. They introduce the oxygen mask analogy, the idea that you need to secure your own financial position before you're able to genuinely help anyone else, and unpack how Australia's means tested aged care system actually works. This episode is for anyone currently supporting both children and ageing parents, or anyone who can see this stage of life on the horizon and wants to plan for it properly. It's a candid, practical look at how to protect your own financial position while still being there for the people who rely on you. Listeners will come away with a clearer understanding of why the sandwich generation faces such acute financial pressure, and practical strategies for managing it without sacrificing their own financial security. The episode explains how the means tested aged care system works in Australia, why setting boundaries around financial support matters, and how getting family members into the same conversation early can prevent resentment down the track. It also covers alternative ways to support both children and parents, such as offering an income stream instead of a lump sum, and why understanding your own financial trajectory should come before committing to help anyone else. It's a grounded, practical listen for anyone trying to balance competing financial responsibilities across generations. 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, authorised representatives and credit representatives of Akumin Financial Planning – AFSL 232706. Episode Highlights What the sandwich generation is and why this stage of life often coincides with peak financial pressure. Why the oxygen mask analogy applies to family finances: secure your own position before you can help anyone else. How Australia's means tested aged care system works and why it's based on the parent's assets, not the children's. A real example of how funding aged care to preserve a family home created unexpected tension in a marriage. Why setting clear boundaries around one-off versus ongoing financial support matters from the outset. How supporting one side of the family can create unintended pressure on a spouse and shared household resources. Why getting all family decision makers in the same room early can prevent resentment between siblings. Why understanding your own financial trajectory should come before committing to support children or parents. Why offering an income stream can sometimes be a more sustainable form of support than a lump sum. Connect with Billy and Andrew! 360 Financial Strategists Check out our latest episode here: Apple Podcast Spotify
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    21 分
  • 250. 25 Biggest Money Lessons From 5 Years of Financial Advice

    250. 25 Biggest Money Lessons From 5 Years of Financial Advice
    2026/09/08
    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 important ideas Billy and Andrew have shared with clients and listeners over the years. They cover the psychology behind bad financial decisions, why being comfortable with your finances isn't the same as being financially secure, and why there's even such a thing as being too good with money if discipline has no clear purpose behind it. This episode is for long time listeners who want a refresher on the podcast's biggest ideas, as well as new listeners looking for a fast, practical introduction to the topics Billy and Andrew cover most often. It's a genuine highlight reel of five years of financial planning conversations, packed into a single episode. Listeners will come away with a broad, practical snapshot of the financial lessons that matter most, from psychology and behaviour through to debt, property, tax structure, superannuation, insurance and estate planning. Rather than covering one topic in depth, this episode works as a quick reference point for revisiting key ideas or discovering new ones, with real examples drawn from Billy and Andrew's years of experience advising clients. It's a useful listen for anyone wanting a refresher on the fundamentals of building and protecting wealth, or for identifying which areas of their own financial position might be worth a closer look. 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, authorised representatives and credit representatives of Akumin Financial Planning – AFSL 232706. Episode Highlights Why most bad money decisions come down to psychology rather than the numbers. Why being financially comfortable is not the same as being financially secure. Why property versus shares is the wrong debate, and why leverage can be both a powerful tool and a major risk. Why the purchase price of a property is often the smallest number in the true cost of ownership. Why getting your ownership and tax structure right from the outset can be one of the biggest wealth decisions you make. Why superannuation remains one of the most underused tools for building long-term wealth. Why insurance is less about protecting yourself and more about protecting the people who rely on you. Why your reaction to market volatility matters more for your returns than the investment itself. Why your 40s can be the most important decade for wealth creation, and why retirement isn't the finish line for your portfolio. Why planning your estate and talking to your children about money early can prevent conflict and shape their financial habits. Connect with Billy and Andrew! 360 Financial Strategists Check out our latest episode here: Apple Podcast Spotify
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    42 分
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