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 also talk about margin calls - the scary scenario where lenders can force you to sell investments or add more money when your portfolio drops in value. We cover practical risk management strategies, from keeping conservative loan ratios to maintaining emergency funds and ensuring job security.

Tune in to understand whether margin lending could fit your investment strategy and learn the essential safeguards you need before considering this higher-risk approach to wealth building.

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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 is margin lending and how it works

• Benefits of using debt to invest

• The risks and downsides of margin lending

• Margin calls - How lenders can force portfolio sales

• Risk mitigation strategies

Connect with Billy and Andrew!

360 Financial Strategists

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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 getting specialist advice. We explore how double taxation can catch people off guard and why your regular accountant might not have the expertise you need for international finances.

Tune in to discover what you need to know before making your overseas move.

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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

• Tax residency rules and double taxation risks

• Currency exchange costs and multi-currency account strategies

• Superannuation preservation rules and contribution options

• Cross-border investing and asset structure considerations

• Insurance coverage and consumer protection differences

• Estate planning and inheritance tax implications

• Finding the right professional advice for international finances

Connect with Billy and Andrew!

360 Financial Strategists

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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 critical areas like managing cash flow during transition periods, protecting joint accounts from unauthorized transactions, and navigating complex decisions around property valuations and superannuation splits. We also address the often-overlooked aspects of insurance reviews, beneficiary updates, and the challenging but essential process of rebuilding financial confidence after separation.

Whether you're currently going through a separation or want to be prepared for the unexpected, this episode provides essential guidance for protecting your financial future during difficult times.

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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

• Taking stock of financial position - early financial assessment

• Understand when to use lawyers versus financial advisors for optimal outcomes

• Weighing negotiation/mediation benefits against the costs, stress, and time of going to court.

• Handling joint expenses and bills while living separately without damaging credit

• Secure joint accounts and understand tax implications of different asset choices

• Superannuation and property considerations

• Rebuild financial confidence and update beneficiaries without losing investment time

Connect with Billy and Andrew!

360 Financial Strategists

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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 provide sufficient cash flow, forcing tough choices between maintaining assets, downsizing, or finding ways to unlock equity. We talk through the risks of rising living costs, the emotional challenge of wanting to leave a legacy while sacrificing our current lifestyle, and the role that fear plays in decision-making. Ultimately, we emphasize the importance of planning early, getting advice, and finding balance so we can enjoy life without being trapped by our wealth on paper.

Tune in to this episode to learn how we can turn paper wealth into real lifestyle freedom without sacrificing our future.

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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 it means to be "asset rich but cash flow poor" and why it's more common than we think

• How property, businesses, and conservative investments can create hidden cash flow challenges

• The lifestyle risks of holding onto high-value assets that don't generate income

• Why leaving a legacy often conflicts with enjoying life today

• The impact of rising living costs, taxes, and missed opportunities on financial freedom

• Strategies to unlock cash flow, from downsizing to reallocating assets

• The role of fear and security in financial decision-making, especially in retirement

• Why seeking financial advice early can help balance wealth, income, and lifestyle goals

Connect with Billy and Andrew!

360 Financial Strategists

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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 tightening household budgets and pausing mortgage repayments to exploring government support and even selling assets if needed. Beyond the practical, we emphasize setting up powers of attorney, leaning on family, community, or charity support, and working closely with advisors to reassess financial goals once recovery begins. Ultimately, we highlight that being prepared with a plan gives us the flexibility and resilience to handle life's most difficult moments.

Tune in to this episode to learn how we can prepare, adapt, and take control of our finances during major health events so we're better equipped for life's toughest challenges.

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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 having an emergency fund is essential during a health crisis

• How to use insurance and income protection to cover unexpected costs

• Practical steps for managing reduced income and cutting expenses

• Options for pausing mortgage repayments and accessing financial relief

• When to consider selling assets and understanding tax implications

• The importance of powers of attorney and estate planning in medical events

• Leveraging family, community, and charity support networks

• Reassessing financial goals and priorities after a major health event

Connect with Billy and Andrew!

360 Financial Strategists

Check out our latest episode here:

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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 our long-term financial security. We discuss the importance of having a solid retirement plan first, considering timing and sustainability, protecting contributions through structures like loans or binding financial agreements, and being able to say no or set conditions without guilt. We also highlight non-monetary ways to help, such as childcare, meals, or being a guarantor, and stress the value of financial literacy for adult children. Ultimately, we encourage thoughtful, strategic planning—often with professional advice—so we can support our kids while still enjoying a secure and fulfilling retirement.

Tune in to discover practical, heartfelt strategies for supporting your kids financially without sacrificing your own retirement security.

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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

• Balancing helping your kids with protecting your retirement savings

• Common ways parents support adult children beyond cash gifts

• Why a solid retirement plan is essential before offering financial help

• Protecting contributions with loan agreements or binding financial arrangements

• Non-monetary ways to provide meaningful support

• The importance of timing and sustainable giving

• Encouraging financial literacy and independence in adult children

• Seeking professional advice to avoid tax and structural pitfalls

Connect with Billy and Andrew!

360 Financial Strategists

Check out our latest episode here:

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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, and planning for unexpected costs like childcare. We also emphasize the importance of reviewing insurance coverage and estate planning to protect your growing family. Ultimately, we reflect on how flexibility, mental preparedness, and temporary financial pivots are key to navigating this exciting yet vulnerable life stage.

Tune in to this episode to gain practical, real-world financial tips that will help you confidently prepare for the life-changing journey of becoming a parent.

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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

• Understanding government and employer parental leave entitlements

• How to calculate and prepare for changes in household cash flow

• The benefits of taking parental leave at half pay to extend financial support

• Creating a realistic baby budget: upfront vs. ongoing costs

• Why an emergency fund needs to grow when a baby is on the way

• The importance of reviewing life, trauma, and income protection insurance

• Planning ahead for childcare and education expenses

• When and why to update your will, guardianship, and beneficiaries

• The psychological impact of temporary financial setbacks—and how to cope

• Practical strategies for staying flexible and financially resilient during big life changes

Connect with Billy and Andrew!

360 Financial Strategists

Check out our latest episode here:

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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 costs like body corporate fees, off-the-plan construction risks, and the opportunity cost of tying up capital in underperforming assets. Throughout the episode, we reflect on how property ownership can still be a powerful wealth-building tool if approached with foresight, strategy, and solid financial buffers. We also share personal anecdotes, hard truths, and a few laughs while emphasizing that success in property comes from being prepared, not just optimistic.

Tune in to uncover the real costs of property ownership in 2025 and learn how to make smarter financial decisions before you buy.

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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 mortgage repayments are just the tip of the iceberg when it comes to property costs

• The hidden impact of rising interest rates on long-term affordability

• How government charges like land tax and stamp duty can shift unexpectedly

• The financial and emotional cost of maintaining and renovating a property

• Key risks with off-the-plan purchases and construction delays

• The importance of emergency buffers and realistic budgeting

• Why strata and body corporate fees can catch owners off guard

• How opportunity cost plays a major role in long-term property decisions

• The difference between how much you can borrow vs. how much you should

• Why property is still a powerful wealth-building tool

Connect with Billy and Andrew!

360 Financial Strategists

Check out our latest episode here:

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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 market's reaction—or lack thereof—due to preemptive pricing. We explore the stabilizing impact of key international trade deals, like those between the U.S. and the EU, Japan, and the Philippines, and assess the ongoing uncertainty in U.S. housing due to oversupply and affordability. We then shift focus to China's slowed GDP growth and persistent property issues, with hopes pinned on further government stimulus.

Closer to home, we examine the ASX 200's modest rise, the Reserve Bank of Australia's surprise rate hold, and the likelihood of an upcoming interest rate cut. We also note strengthening in the Victorian property market, supported by high clearance rates and spring demand, and touch on how resilient commodity demand from China is boosting Australia's mining sector and northern property markets.

Tune in to this episode for a sharp, engaging breakdown of global markets, interest rates, property trends, and what it all means for your money.

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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

• S&P 500 hits all-time highs in July despite a slight monthly dip of 0.66%

• 88% of reporting U.S. companies beat market expectations—the strongest result since Q2 2021

• Trade deal clarity with the EU, Japan, and China helps stabilize global markets

• U.S. housing data shows softening trends amid rising supply and affordability concerns

• China's GDP growth slows to 5.2%, with ongoing property price declines and stimulus hopes

• ASX 200 rises 0.41% as the RBA surprises by holding rates steady in July

• Markets anticipate an August rate cut, with 50% odds priced in for a 50 basis point drop

• Victoria's property market shows strength with clearance rates around 70% amid spring demand

• Australian mining and northern property markets benefit from steady Chinese commodity demand

Connect with Billy and Andrew!

360 Financial Strategists

Check out our latest episode here:

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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 in the economy, rising living costs, and evolving lifestyles demand new financial strategies. From embracing "rentvesting" to rethinking car ownership and investment timing, we break down how modern financial planning must adapt. And we wrap up by reaffirming one timeless truth: always spend less than you earn—and invest the surplus.

Tune in to this episode to rethink your money habits and learn which financial rules you need to break to thrive in 2025 and beyond.

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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 10% savings rule no longer cuts it in today's economy

• Renting isn't dead money—unless you're not investing the difference

• Why a 3-month emergency fund may leave you financially exposed

• Rethinking the idea of paying off all debt before investing

• The myth of spending less in retirement—and what really happens

• How car ownership is changing and why paying cash isn't always best

• The value of adapting old money rules to modern financial realities

• One timeless principle that still holds true

Connect with Billy and Andrew!

360 Financial Strategists

Check out our latest episode here:

Apple Podcast

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