Welcome back to another episode of the 360 Money Matters Podcast!

In this episode, we walk through the reality of property ownership in today's market. We discuss why mortgage means "life debt" in Latin and whether that's more accurate than ever. We cover getting pre-approvals, understanding what you can actually afford versus what banks will lend you, and strategies like rentvesting that never existed before. We explore government schemes, stamp duty concessions, and the debate around paying mortgage insurance now versus waiting to save a larger deposit. We also break down the practical steps: setting auction limits, getting building inspections, using buyer's advocates, and making sure you have money left over after settlement.

Thinking about taking the plunge into property? This episode gives you the framework to make the decision that's right for you.

-

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

• Is property ownership the right strategy for you?

• Pre-approvals: borrowing capacity vs actual affordability

• Government schemes and stamp duty concessions

• Paying mortgage insurance now vs saving for 20% deposit

• Rentvesting and alternative property strategies

• Setting auction limits and using buyer's advocates

• Building inspections, contract reviews, and insurance

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, 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.

-

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

Check out our latest episode here:

Apple Podcast

Spotify

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.

-

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

Check out our latest episode here:

Apple Podcast

Spotify

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.

-

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

Check out our latest episode here:

Apple Podcast

Spotify

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.

-

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

Check out our latest episode here:

Apple Podcast

Spotify

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.

-

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:

Apple Podcast

Spotify

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.

-

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:

Apple Podcast

Spotify

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.

-

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:

Apple Podcast

Spotify