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360 Money Matters Podcast

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 things 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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Billy

Podcast Host – Financial Adviser

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Andrew

Podcast Host – Financial Adviser

Financial Mistakes We See Every Week (And How to Avoid Them)

In this episode, Billy and Andrew break down the financial mistakes that catch people out most, not the obvious ones like risky speculation, but the ones made by people who genuinely think they're doing the right thing. These are the quiet, compounding errors that cost the most in dollars and time.
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Melbourne Real Estate with Dimitri Damianos

In this episode, Billy and Andrew sit down with Dimitri Damianos from Buxton in Oakleigh to answer the question every buyer and seller is quietly asking right now: is the Melbourne property market actually falling, or just changing shape?
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The Hidden Costs of Buying Your Dream Home

In this episode, Billy and Andrew tackle the question most buyers never ask until it's too late: what does a dream home actually cost once you move past the purchase price? Timed against recent federal budget changes, they break down why more people are pouring money into their own home instead of investment property, and why that decision carries far more hidden expenses than most realise.
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What Would Happen If Something Were to Happen to Your Business Partner

In this episode, Billy and Andrew tackle a question most business owners have never stopped to ask: what actually happens to the business, and to the people left behind, if something happens to your business partner?
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Should you pay off your mortgage before you invest?

In this episode, Billy and Andrew tackle one of the most common questions they get asked: should you be debt free before you invest? 
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Changes to Tax Rules – Joined by Ryan Finlay

In this episode, Billy and Andrew are joined by Ryan Finlay from Willis Partners. Together they unpack the most significant tax reform Australia has seen in 30 years, breaking down what's coming, who's affected, and what you need to do before July 1, 2027.
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Investment and education bonds

In this episode, Billy and Andrew explore investment bonds and education bonds, a tax-effective vehicle most people have never heard of. But with recent federal budget changes, these are about to become far more popular.
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The Hidden Cost of Being Comfortable

In this episode, Billy and Andrew explore the hidden cost of being comfortable, and why financial comfort can actually sabotage your wealth-building. 
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The Next Generation Won’t Retire Like Their Parents

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.
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Subscription economy – death by a thousand cuts

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.
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The government just changed property rules – Does rent vesting still make sense

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.
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Inside a $2M Portfolio How It Should Actually Be Structured

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. 
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