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.

-

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.

-

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.

-

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

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 wrong means every decision that follows is built on sand.

This episode is for anyone who has accumulated significant wealth and wants to make sure it's working as hard — and as smart — as it should be.

-

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 starting with your investment goal — not your investment choice — changes everything

• What a core satellite strategy actually looks like in practice, and why it suits a larger portfolio

• The real difference between holding assets in super vs. your personal name and why the tax gap is massive

• How to design income from a portfolio without triggering unnecessary capital gains

• Why debt recycling can be a smart tool, not just added risk

• The "silent killer" — how tax drag quietly erodes returns over time

• Why a great strategy still needs to adapt when life circumstances change

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 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 first 12 months and, more importantly, what to do about it.

If you've ever started strong and quietly let a financial plan fade out, this episode will show you exactly where it went wrong.

-

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 complexity kills momentum before it even starts

• The danger of having no clear first step and how to fix it

• Why implementation support is worth more than the strategy itself

• How your own behaviour is a bigger threat to your wealth than any market downturn

• Why trying to be perfect and timing the market is a plan to fail

• The power of anchoring your financial plan to a personal goal — your real "North Star"

• How accountability is the missing ingredient most people overlook

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 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 understanding what you're paying for is just as important as the dollar amount itself.

This episode is for anyone who has ever wondered whether their advice fee is worth it, or who has avoided getting advice altogether because the cost felt unclear.

-

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 most people misunderstand what an advice fee actually covers

• The difference between one-off advice and an ongoing client relationship

• How fee structures (percentage vs. flat fee vs. hourly) change what you receive

• What to expect at each stage: upfront advice vs. annual review

• The compliance and infrastructure costs behind every recommendation

• How to assess whether your current adviser fee represents real value

• Questions you should be asking your adviser right now

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 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 ignoring your super because you can't touch it, these myths aren't just wrong, they're expensive. And the fix is simpler than you think.

If you've ever caught yourself making any of these excuses, this episode is your mirror moment.

-

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 "I'll invest when things settle down" is just uncertainty dressed up as strategy

• The property vs. shares debate and why the data might surprise you

• Pay off the mortgage first, then invest: why waiting 20–30 years is a wealth creation trap

• Superannuation the most powerful wealth vehicle most people ignore

• Why holding too much cash is also a financial mistake

• "I don't earn enough to invest yet" — and why $50 a week is all it takes to start

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 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 through the assumptions most people make — that sick leave, annual leave, and redundancy entitlements will catch them — and show why that thinking leaves dangerous gaps, especially if an employer goes under overnight. They walk through how to calculate your real financial burn rate, why "asset rich, cash poor" is a genuine trap, and why insurance covers less than you think when job loss is the problem.

If you've never stress-tested your finances against a worst-case scenario, this episode is your starting point and your action plan.

-

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 your workplace entitlements are not a safety net and what actually is

• How to calculate your financial burn rate: fixed vs. discretionary expenses

• The emergency fund question: 3 months, 6 months, or 12?

• Where insurance helps and where it leaves a gap

• The stay-at-home parent life insurance blind spot most families miss

• Passive income vs. personal exertion income: does yours even make a dent?

• Why you need a Plan B and how to build one before you need it

Connect with Billy and Andrew!

360 Financial Strategists

Check out our latest episode here:

Apple Podcast

Spotify