360 Money Matters copertina

360 Money Matters

360 Money Matters

Di: Billy Amiridis and Andrew Nicolaou
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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.Billy Amiridis 2024 Economia Finanza personale
Episodi
  • 256. Stagflation Explained: What It Means for Your Money

    256. Stagflation Explained: What It Means for Your Money
    Oct 20 2026
    Welcome back to another episode of the 360 Money Matters Podcast! This week, hosts Billy Amiridis and Andrew Nicolaou take on a word that's starting to resurface in economic commentary: stagflation. Billy and Andrew walk through the latest interest rate, inflation and unemployment data at the time of recording, explaining why the combination of rising prices, slowing growth and rising unemployment is such a difficult problem for the Reserve Bank to manage. Unlike a typical economic downturn, where cutting interest rates can help stimulate growth, or high inflation that can be tackled by raising rates, stagflation presents a situation where neither lever works cleanly, since cutting rates risks fuelling inflation further while raising rates risks slowing the economy even more. The conversation also looks back at Australia's last experience with stagflation in the 1970s, drawing out the similarities and the important differences between that period and today, including a much lower starting point for inflation and a more diversified energy mix. Billy and Andrew break down who is most affected in a stagflation environment, from mortgage holders and renters through to retirees living off their investments and younger workers entering the job market, and explain why almost everyone feels some impact in one way or another. They close with practical guidance for navigating this kind of environment, emphasising the importance of cash flow, avoiding panicked financial decisions, staying diversified, and sticking to a long term financial plan rather than reacting to short term headlines. This episode is for anyone trying to make sense of current economic conditions and what they might mean for their own finances, whether that's a mortgage, investments, or day to day cost of living. It's a timely, practical breakdown of a term that's likely to keep coming up in the months ahead. 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, authorised representatives and credit representatives of Akumin Financial Planning – AFSL 232706. Episode Highlights What stagflation actually is, and why it combines slowing growth, rising inflation and rising unemployment at the same time. Why stagflation is such a difficult problem for the Reserve Bank to solve, since cutting or raising rates both carry risks. How today's conditions compare to Australia's last experience with stagflation in the 1970s. Why mortgage holders are being squeezed from both higher repayments and rising living costs at once. Why renters, retirees and younger workers are also exposed to a stagflation environment in different ways. Why protecting your cash flow and understanding your spending levers matters more than ever in this kind of environment. Why panic selling investments during periods of market volatility can lock in losses rather than protect you. Why diversification, rather than chasing a single inflation proof asset, remains the more reliable long term strategy. Why sticking to a long term financial plan, rather than reacting to short term headlines, is the most important takeaway. Connect with Billy and Andrew! 360 Financial Strategists Check out our latest episode here: Apple Podcast Spotify
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    36 min
  • 255. What to do with Old Employer Super Funds: Should You Consolidate Them?

    255. What to do with Old Employer Super Funds: Should You Consolidate Them?
    Oct 13 2026
    Welcome back to another episode of the 360 Money Matters Podcast! This week, hosts Billy Amiridis and Andrew Nicolaou tackle a question a lot of people have sitting quietly in the background of their finances: what should you actually do with an old employer superannuation fund? Billy and Andrew start by explaining how these old funds usually come about, often set up by default through a workplace with little to no thought behind which fund was chosen, and why the odds of that default fund actually being the right one for you are pretty slim. From there, they unpack the common advice to simply consolidate multiple super funds into one, and why that's not always as straightforward as it sounds. The conversation focuses heavily on the insurance attached to superannuation accounts, an area Billy and Andrew describe as one of the biggest traps in the consolidation process. They share a real client example of how consolidating funds unexpectedly cancelled an income protection policy, and why replacing that cover wasn't as simple as reapplying. They also explain why comparing superannuation performance figures from a fund's website can be misleading, and how to track down and consolidate lost or old super through myGov and the ATO. This episode is for anyone with more than one superannuation fund, or anyone who has an old fund from a previous employer sitting there untouched. It's a practical, cautionary look at a task that seems simple on the surface but can carry real consequences if it's not done properly. Listeners will come away with a clearer understanding of why old employer super funds exist, and why the usual advice to simply consolidate them isn't always the full picture. The episode explains how to weigh up cost savings against the insurance cover you might lose in the process, why comparing superannuation performance figures from a fund's marketing isn't a reliable way to judge a fund, and how to track down lost or unclaimed super through myGov and the ATO. It's a practical guide for anyone wanting to tidy up their superannuation without accidentally losing valuable cover or making a decision based on misleading numbers. 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, authorised representatives and credit representatives of Akumin Financial Planning – AFSL 232706. Episode Highlights How old employer super funds usually come about, and why they're rarely chosen with your best interests in mind. Why the usual advice to simply consolidate multiple super funds overlooks some important risks. How insurance attached to a superannuation account can be lost if you consolidate without checking it first. A real example of how consolidating super funds led to a client losing income protection cover they couldn't replace. Why comparing insurance across super funds is far harder than comparing fees or investment performance. Why published superannuation performance figures are more of a marketing tool than a reliable comparison. Why your probability of getting favourable insurance terms diminishes as you get older and health issues arise. How to find lost or unclaimed superannuation through myGov and the ATO. Why understanding your overall superannuation strategy matters more than simply chasing lower fees. Connect with Billy and Andrew! 360 Financial Strategists Check out our latest episode here: Apple Podcast Spotify
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    22 min
  • 254. What to Do With $50K in Savings? A Practical Framework

    254. What to Do With $50K in Savings? A Practical Framework
    Oct 6 2026
    Welcome back to another episode of the 360 Money Matters Podcast! This week, hosts Billy Amiridis and Andrew Nicolaou tackle one of the most common questions they hear from people just starting out with financial advice: I've got some savings sitting there, now what do I do with it? Using $50,000 as an example figure, Billy and Andrew walk through the decision making process they actually use with clients before any investment is ever chosen. They start with the basics, checking whether that amount sits on top of a proper emergency fund, and whether any high interest consumer debt should be cleared first. From there, they explain why job security, ongoing cash flow, and your time horizon all shape the right approach long before the conversation turns to where the money should actually go. The episode also breaks down the three broad options most people are weighing up, paying down a mortgage, contributing to superannuation, or investing outside of those structures, and why the right answer is often a blend of all three depending on personal circumstances. Billy and Andrew share a real example of how someone in their forties with a mortgage and kids might split their money across an offset account, a growth investment, and other structures at the same time. They also tackle one of the biggest mistakes they see, analysis paralysis, and share some practical thoughts on when it makes sense to do your own research versus when to get professional advice. This episode is for anyone sitting on a decent amount of savings and wondering where to start, whether that's $10,000 or $100,000. It's a genuinely practical framework for thinking it through properly, rather than jumping straight to the question of what to invest in. 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, authorised representatives and credit representatives of Akumin Financial Planning – AFSL 232706. Episode Highlights Why checking your emergency fund should always come before deciding what to do with extra savings. Why paying off high interest consumer debt almost always makes more sense than investing it. How job security and cash flow shape both your emergency fund and your investment options. Why understanding your time horizon is essential to setting the right risk profile for your money. The three broad options most people weigh up: paying down a mortgage, superannuation, or investing outside those structures. A real example of how someone in their forties might split savings across an offset account, an investment bond, and personal name investments. Why the underlying investment choice should come last, not first, in the decision making process. Why doing nothing with your savings is still a decision, and often the costliest one. How to know when it's worth getting professional advice versus researching your options on your own. Connect with Billy and Andrew! 360 Financial Strategists Check out our latest episode here: Apple Podcast Spotify
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    22 min
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