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 expectations, and longer lifespans have fundamentally shifted the goalposts.

If you're wondering whether you'll actually retire, or how your retirement might look different from your parents', this episode breaks down what's changed, why it matters, and what you actually need to do about it.

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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, authorized representatives and credit representatives of Akumin Financial Planning – AFSL 232706

Episode Highlights

• Why the old retirement model no longer works

• How mortgages became a 30+ year burden requiring two incomes

• The cost of living and lifestyle expectation squeeze

• Why you're living longer but have less time to build wealth

• Inheritance as a requirement, not a bonus and the wealth inequality gap

• Technology enabling extended working careers (by choice and necessity)

• The strategies that still work and why you need a personalized plan

Connect with Billy and Andrew!

360 Financial Strategists

Check out our latest episode here:

Apple Podcast

Spotify

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 for identifying subscription creep, auditing your expenses, and deciding which services genuinely add value to your life. Most importantly, they discuss how to redirect the money you save toward goals that actually improve your financial future.

Listen now to discover where your money may be quietly disappearing and how a few small changes could free up hundreds of dollars each month.

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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, authorized representatives and credit representatives of Akumin Financial Planning – AFSL 232706

Episode Highlights

• Why subscription services are creating "death by a thousand cuts" for household cash flow

• How convenience and automation remove the pain of spending

• The hidden cost of multiple streaming services, apps, memberships, and recurring payments

• Why higher-income earners often experience the biggest subscription leakage

• A simple process for reviewing and categorising your subscriptions

• Why cancelling subscriptions is easier than most people think

• How to turn subscription savings into wealth-building opportunities

• The importance of spending intentionally instead of spending by default

Connect with Billy and Andrew!

360 Financial Strategists

Check out our latest episode here:

Apple Podcast

Spotify

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, the rules that made rentvesting such a compelling wealth-building strategy have been tampered with. So is the juice still worth the squeeze?

In this episode, Billy and Andrew break down rentvesting in the post-budget environment: what it is, why people do it, and whether the numbers still make sense now that the tax landscape has changed.

This episode is for anyone who is rentvesting right now, considering it, or simply trying to figure out which property path — owning or investing — is actually right for them.

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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, authorized representatives and credit representatives of Akumin Financial Planning – AFSL 232706

Episode Highlights

• What rentvesting actually is and why it's become more popular than ever

• The real financial trade-offs: capital growth, cash flow, and opportunity cost compared side by side

• How the latest budget changes to negative gearing and CGT shift the calculation for investors

• Why the emotional pull of home ownership is real and when it's actually the right call

• The question you must answer before choosing any property strategy: what are you actually trying to solve for?

• The key risk most people miss: once governments start adjusting property tax rules, what stops them doing it again?

Connect with Billy and Andrew!

360 Financial Strategists

Check out our latest episode here:

Apple Podcast

Spotify