by Billy Amiridis and Andrew Nicolaou
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.
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🇺🇲
Publishing Since
8/3/2021
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April 29, 2025
<p dir="ltr">Welcome back to another episode of the 360 Money Matters Podcast! </p> <p dir="ltr">In this episode, we explore the world of self-managed super funds (SMSFs) and ask the big question: should we have one? We unpack the essentials — what an SMSF is, how it differs from regular super funds, and the pros and cons of managing your own fund. We explore the control and flexibility that come with SMSFs, including the ability to invest in assets like property and collectibles, but also the responsibilities, risks, and higher costs that follow. From setup fees and compliance obligations to investment strategy complexities and retirement planning, we cover why SMSFs might suit some of us — especially with larger balances or specific goals — but not all of us.</p> <p dir="ltr">Tune in now to find out if managing your own super fund is the right move for you!</p> <p dir="ltr">-</p> <p dir="ltr">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</p> <p><strong> </strong></p> <p dir="ltr"><strong>Episode Highlights</strong></p> <ul> <li dir="ltr" aria-level="1"> <p dir="ltr" role="presentation">How to get over that fear and how to move forward</p> </li> <li dir="ltr" aria-level="1"> <p dir="ltr" role="presentation">Importance of recognizing the need and asking questions as a good start</p> </li> <li dir="ltr" aria-level="1"> <p dir="ltr" role="presentation">The power of knowledge</p> </li> <li dir="ltr" aria-level="1"> <p dir="ltr" role="presentation">Take into account your tolerance to risk and comfort levels</p> </li> <li dir="ltr" aria-level="1"> <p dir="ltr" role="presentation">Ensuring to pass the "sleep test”</p> </li> <li dir="ltr" aria-level="1"> <p dir="ltr" role="presentation">About the benefits of compounding and the need to stick to a strategy</p> </li> <li dir="ltr" aria-level="1"> <p dir="ltr" role="presentation">Pay attention to your investments, but don’t become obsessed</p> </li> </ul> <p><strong> </strong></p> <p dir="ltr"><strong>Connect with Billy and Andrew!</strong></p> <p dir="ltr"><a href="https://360fs.com.au/">360 Financial Strategists </a></p> <p><strong> </strong></p> <p dir="ltr"><strong>Check out our latest episode here: </strong></p> <p dir="ltr"><a href= "https://podcasts.apple.com/au/podcast/360-money-matters/id1579818812"> Apple Podcast</a></p> <p dir="ltr"><a href= "https://open.spotify.com/show/69T0noCDClxZ6x4iUYfbmH">Spotify</a></p>
April 22, 2025
<p dir="ltr">Welcome back to another episode of the 360 Money Matters Podcast! </p> <p dir="ltr">In this episode, we wrap up our three-part series by diving into the key financial considerations for your 50s. We explore how to gain retirement clarity, identify your "freedom number," and weigh up quality of life versus grinding out a few more years of work. We cover strategies like optimizing superannuation contributions, planning debt elimination, managing lifestyle creep, and transitioning investments from growth to income. We also touch on the importance of estate planning, the financial realities of supporting aging parents or adult children, and preparing for rising healthcare costs. It’s all about setting up the next phase of life with confidence, clarity, and flexibility.</p> <p dir="ltr">Ready to future-proof your finances? Tune in now to make your 50s count!</p> <p dir="ltr">-</p> <p dir="ltr">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 AMP Financial Planning – AFSL 232706</p> <p><strong> </strong></p> <p dir="ltr"><strong>Episode Highlights</strong></p> <ul> <li dir="ltr" aria-level="1"> <p dir="ltr" role="presentation">Why gaining retirement clarity is about more than just the money</p> </li> <li dir="ltr" aria-level="1"> <p dir="ltr" role="presentation">How to determine your “freedom number” and what lifestyle you want</p> </li> <li dir="ltr" aria-level="1"> <p dir="ltr" role="presentation">Strategies for maximizing super contributions and minimizing tax</p> </li> <li dir="ltr" aria-level="1"> <p dir="ltr" role="presentation">The importance of a clear debt elimination plan before retiring</p> </li> <li dir="ltr" aria-level="1"> <p dir="ltr" role="presentation">Managing lifestyle creep during peak earning years</p> </li> <li dir="ltr" aria-level="1"> <p dir="ltr" role="presentation">Transitioning from growth to income-focused investments</p> </li> <li dir="ltr" aria-level="1"> <p dir="ltr" role="presentation">Why estate planning and supporting both parents and adult kids matters</p> </li> </ul> <p><strong> </strong></p> <p dir="ltr"><strong>Connect with Billy and Andrew!</strong></p> <p dir="ltr"><a href="https://360fs.com.au/">360 Financial Strategists </a></p> <p><strong> </strong></p> <p dir="ltr"><strong>Check out our latest episode here: </strong></p> <p dir="ltr"><a href= "https://podcasts.apple.com/au/podcast/360-money-matters/id1579818812"> Apple Podcast</a></p> <p dir="ltr"><a href= "https://open.spotify.com/show/69T0noCDClxZ6x4iUYfbmH">Spotify</a></p>
April 15, 2025
<p dir="ltr">Welcome back to another episode of the 360 Money Matters Podcast! </p> <p dir="ltr">In this episode, we explore the key financial priorities to focus on in your 40s, and although we’re not quite in that age bracket yet, we explore it with a future-focused mindset. We talk about the importance of having clarity and control over your finances, setting clear retirement and family goals, and regularly tracking your net worth. We also cover strategic use of superannuation, optimizing debt (especially getting rid of non-deductible personal debt), and finding the right balance between spending, investing, debt repayment, and giving. We stress the value of being aligned with your partner financially, investing in your career and personal development, and making sure your insurance and estate planning are in check. And finally, we remind ourselves that health is wealth—because what’s the point of financial success if we’re not well enough to enjoy it.</p> <p dir="ltr">Tune in now to learn how to take control of your finances in your 40s and set yourself up for long-term success—your future self will thank you!</p> <p dir="ltr">-</p> <p dir="ltr">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 AMP Financial Planning – AFSL 232706</p> <p><strong> </strong></p> <p dir="ltr"><strong>Episode Highlights</strong></p> <ul> <li dir="ltr" aria-level="1"> <p dir="ltr" role="presentation">Gaining clarity and control over your finances in your 40s</p> </li> <li dir="ltr" aria-level="1"> <p dir="ltr" role="presentation">Setting clear goals for retirement, education, and debt repayment</p> </li> <li dir="ltr" aria-level="1"> <p dir="ltr" role="presentation">Making the most of superannuation and compounding early</p> </li> <li dir="ltr" aria-level="1"> <p dir="ltr" role="presentation">Eliminating personal debt and optimizing mortgage strategies</p> </li> <li dir="ltr" aria-level="1"> <p dir="ltr" role="presentation">Creating a balanced investment approach</p> </li> <li dir="ltr" aria-level="1"> <p dir="ltr" role="presentation">Aligning financial goals with your partner</p> </li> <li dir="ltr" aria-level="1"> <p dir="ltr" role="presentation">Prioritizing health as part of your wealth journey</p> </li> </ul> <p><strong> </strong></p> <p dir="ltr"><strong>Connect with Billy and Andrew!</strong></p> <p dir="ltr"><a href="https://360fs.com.au/">360 Financial Strategists </a></p> <p><strong> </strong></p> <p dir="ltr"><strong>Check out our latest episode here: </strong></p> <p dir="ltr"><a href= "https://podcasts.apple.com/au/podcast/360-money-matters/id1579818812"> Apple Podcast</a></p> <p dir="ltr"><a href= "https://open.spotify.com/show/69T0noCDClxZ6x4iUYfbmH">Spotify</a></p>
Dev Raga
Australian Retirement Trust
Hayden Smith & Dave Gow
Stuart Wemyss
Glen James
Rask
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LiSTNR
Ben Nash
Morningstar Australia
Guidance Financial Services
John Pidgeon
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Equity Mates Media
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