1 rich Libsyn https://www.libsyn.com 90 600 Welcome back to another episode of the 360 Money Matters Podcast!&amp;nbsp; In this episode, Billy and Andrew tackle the decade that most Australians sleepwalk through and can never get back. Your 40s are when income is climbing, debt is at its peak, and compound interest still has time to do its heavy lifting. Get it right and you build serious wealth. Take your foot off the accelerator — even just for a few years — and you arrive at 50 wondering where the decade went. Billy and Andrew break down the financial checklist every 40-something should be running through right now, from attacking non-deductible debt and using super as a tax weapon, to building a clear investment strategy and protecting everything you've worked for. If you're in your 40s, approaching them, or advising someone who is, this is the episode to listen to. - 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 &amp;amp;&amp;nbsp; Andrew Nicolaou of 360 Financial Strategists Pty Ltd, authorized representatives and credit representatives of Akumin Financial Planning – AFSL 232706 Episode Highlights Why your 40s are the make-or-break decade for long-term financial security The debt strategy: aggressively clearing non-deductible debt while keeping good debt working for you Debt recycling — how to pay down debt and invest at the same time Super isn't optional anymore — it's your most powerful tax structure Concessional contributions, spouse splitting, and how to use super to pay 15% tax instead of your marginal rate Why a piecemeal investment approach quietly destroys your wealth Protecting your plan — why income protection and insurance matter more than ever in this decade Cash flow creep: how rising expenses quietly erase the benefit of a higher income Why a coordinated plan beats isolated decisions every time &amp;nbsp; Connect with Billy and Andrew! 360 Financial Strategists&amp;nbsp; &amp;nbsp; Check out our latest episode here:&amp;nbsp; Apple Podcast Spotify 360 Money Matters http://360moneymatters.libsyn.com/website <iframe title="Libsyn Player" style="border: none" src="//html5-player.libsyn.com/embed/episode/id/40949680/height/90/theme/custom/thumbnail/yes/direction/forward/render-playlist/no/custom-color/2a4c9d/" height="90" width="600" scrolling="no" allowfullscreen webkitallowfullscreen mozallowfullscreen oallowfullscreen msallowfullscreen></iframe> https://assets.libsyn.com/secure/item/40949680