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

In this episode, we challenge everything you thought you knew about retirement planning. With Australians now living 25-30 years in retirement instead of 10-15, the old model of "save a lump sum and make it last" is dangerously outdated. We explore why income sufficiency matters more than capital targets, how to structure your drawdown across different lifestyle phases, and why superannuation's tax advantages completely change the game. From bucketing strategies to protect against volatility, to the 4% rule and sequencing risk, discover how to build a retirement plan that actually funds the life you want to live—not just survives until the money runs out.

Tune in to discover what modern retirement planning really looks like.

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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 ASFA benchmark of $690,000 is dangerously misleading

• Income sufficiency vs. capital targets: Planning for lifestyle phases, not just lump sums

• The phased retirement trend: Why people are working longer (and happier)

• Superannuation vs. property: Tax implications that change everything

• Protecting your retirement from inflation and market volatility using bucketing strategies

• The 4% rule and sequencing risk: When market timing matters most

• Warren Buffett's principle applied to retirement drawdowns

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 cut through the noise to explain what's really driving global investment markets. We break down why US markets surged 3.2% despite mixed signals, what inflation trends mean for your money, and why Australian rate cuts aren't coming anytime soon. You'll understand the disconnect between strong corporate earnings and economic uncertainty, plus discover what China's growth and rare earth deals mean for Australian investors.

Tune in to get the clarity you need to make smarter investment decisions.

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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

• US market rally: Why the S&P 500 gained 3.2% despite mixed signals

• Inflation trends and Fed rate cut expectations

• Australian interest rates: Why cuts are off the table

• Property market surge and FOMO factors

• China's GDP growth and the $8.5B rare earths deal

• Gold's 57% gain and commodity market volatility

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 break down how compounding really works, using real examples to show why starting early matters more than starting big. We explain the Rule of 72, share Warren Buffett's wealth story, and discuss why most people struggle to grasp how powerful compounding can be.

We also cover the psychology behind delaying investment, the importance of dividend reinvestment, and why superannuation works so well as a compounding vehicle.

Listen to this episode to understand why the best time to start investing was yesterday, and the second best time is today.

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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

• How compounding interest works (earning returns on your returns)

• Comparing early versus late investing with real numbers

• The Rule of 72 for calculating when investments double

• Why people delay investing until they have "enough" money

• Dividend reinvestment and automation strategies

• Why interrupting compound interest is costly

• How superannuation demonstrates compounding through preservation rules

• The importance of staying invested and avoiding withdrawals

Connect with Billy and Andrew!

360 Financial Strategists

Check out our latest episode here:

Apple Podcast

Spotify