Money Grows on Trees

Achieve financial freedom and build lasting wealth 👉 http://moneybuyshappinessbook.com🔗 TAKE ACTION:Get Money Buys Happiness book: http://moneybuyshappinessbook.comIn this episode, Lloyd breaks down why the RBA isn’t finished and why Australians are about to feel more financial pressure than they expect. Inflation is still running hot, government spending is fuelling demand, and the next wave of data is set to force decisions that will hit mortgages, property values and household budgets.You’ll learn:◼️ Why the belief that “rates are done” is misleading◼️ How inflation at 3.8% is forcing the RBA to act◼️ Why rising rates will slow property growth and squeeze households◼️ How wages, taxes and spending are creating more financial pressure◼️ What higher rates and unemployment risks could mean for the economyTimestamps:00:00:00 - Introduction00:00:16 – Inflation at 3.8% and Why It’s a Problem 00:03:48 – Why the RBA Raised Rates Again 00:05:20 – How Higher Rates Hit Borrowing Power and Mortgages 00:06:50 – Early Signs of a Property Market Slowdown00:09:50 – Why Early RBA Cuts Made the Problem Worse 00:11:10 – Wages Falling Behind Inflation 00:12:40 – Why More Rate Hikes Are Likely 00:13:20 – The Risk of Unemployment and AI DisruptionFollow Lloyd:https://www.instagram.com/lloydjamesross/?hl=enhttps://www.linkedin.com/in/lloyd-j-ross-26b7859/https://www.facebook.com/lloyd.ross.7https://www.tiktok.com/@lloydjrosshttps://x.com/lloydjamesrossDISCLAIMERThis content is for educational and informational purposes only. This is not financial, investment, or legal advice. Investing carries inherent risks including potential loss of capital. Past performance does not guarantee future results. Always conduct thorough research and consult with qualified financial advisors before making investment decisions. Individual results vary based on market conditions, personal circumstances, and investment strategy.

Achieve financial freedom and build lasting wealth 👉 http://moneybuyshappinessbook.com🔗 TAKE ACTION:Get Money Buys Happiness book: http://moneybuyshappinessbook.comIn this episode, Lloyd reveals the five money secrets millionaires use that most people never learn. These aren’t hacks or shortcuts. They’re the quiet, disciplined habits that build real wealth while everyone else stays trapped in the system.You’ll learn:◼️ Why cashflow matters more than a high income◼️ How wealthy people use debt differently from everyone else◼️ Why assets come before lifestyle if you want freedom◼️ How millionaires leverage time instead of trading it◼️ Why long‑term thinking beats every short‑term strategyTimestamps:00:00:00 - Introduction00:01:03 - Secret 1: Build Cashflow, Not Just Income00:01:34 - Secret 2: Avoid Bad Debt00:02:26 - Secret 3: Buy Assets Before Lifestyle00:03:20 - Secret 4: Value Time Over Money00:04:24 - Book Promotion: Money Buys Happiness00:04:34 - Secret 4 Continued: Automate, Delegate, Systematize00:05:06 - Secret 5: Think in Decades, Not Weeks00:06:08 - The Boring Truth About Wealth Building00:07:01 - The Importance of Discipline00:07:32 - Conclusion: Knowledge Applied Consistently Over TimeFollow Lloyd:https://www.instagram.com/lloydjamesross/?hl=enhttps://www.linkedin.com/in/lloyd-j-ross-26b7859/https://www.facebook.com/lloyd.ross.7https://www.tiktok.com/@lloydjrosshttps://x.com/lloydjamesrossDISCLAIMERThis content is for educational and informational purposes only. This is not financial, investment, or legal advice. Investing carries inherent risks including potential loss of capital. Past performance does not guarantee future results. Always conduct thorough research and consult with qualified financial advisors before making investment decisions. Individual results vary based on market conditions, personal circumstances, and investment strategy.

Achieve financial freedom and build lasting wealth 👉 http://moneybuyshappinessbook.com🔗 TAKE ACTION:Get Money Buys Happiness book: http://moneybuyshappinessbook.comIn this episode, Lloyd reacts to the housing market circus, migration pressures, and the banks profiting from it all. You’ll learn: ◼️ Why low‑deposit schemes trap buyers in unsustainable debt ◼️ How government incentives distort the housing market ◼️ Why property isn’t the safe asset people claim it is ◼️ How migration and policy decisions are fuelling the bubbleTimestamps:00:00:00 - Introduction00:01:58 - Housing Affordability Concerns00:02:08 - Government Policies and Housing Market00:03:45 - Labor Government's Housing Scheme00:04:48 - Critique of Low Deposit Home Buying00:05:05 - Government Help to Buy Scheme00:06:37 - Immigration and Housing Market00:07:11 - Criticism of Immigration Policy00:08:51 - Renting vs. Buying Debate00:10:22 - Global Housing Affordability Comparison00:11:22 - Critique of Labor Government PoliciesFollow Lloyd:https://www.instagram.com/lloydjamesross/?hl=enhttps://www.linkedin.com/in/lloyd-j-ross-26b7859/https://www.facebook.com/lloyd.ross.7https://www.tiktok.com/@lloydjrosshttps://x.com/lloydjamesrossDISCLAIMERThis content is for educational and informational purposes only. This is not financial, investment, or legal advice. Investing carries inherent risks including potential loss of capital. Past performance does not guarantee future results. Always conduct thorough research and consult with qualified financial advisors before making investment decisions. Individual results vary based on market conditions, personal circumstances, and investment strategy.

Achieve financial freedom and build lasting wealth 👉 http://moneybuyshappinessbook.com🔗 TAKE ACTION:Get Money Buys Happiness book: http://moneybuyshappinessbook.comMost people only react after a recession hits. By then, prices have moved, fear is peaking, and the best assets are already gone. In this episode, Lloyd James Ross breaks down the three sectors he’s positioning capital in before the downturn arrives, and why these industries continue to generate income even when the economy contracts.You’ll learn:◼️ Why healthcare demand barely falls during recessions◼️ How oil and energy remain essential even when growth slows◼️ Why railroads are one of the most durable, impenetrable business models in the world◼️ The common traits these sectors share that make them recession‑resistant◼️ How positioning early protects your wealth when unemployment rises and inflation stays highTimestamps:00:00:00 - Introduction 00:01:24 - Sector 1: Healthcare00:02:42 - Risks in the Healthcare Sector00:03:24 - Sector 2: Oil and Gas00:04:50 - The Importance of Oil in the Global Economy00:05:53 - Cost Position in Oil Production00:06:45 - Why Invest in Oil Before a Recession00:07:06 - Structural Constraints in Oil Supply00:08:41 - Historical Dominance of Oil Companies00:09:59 - Sector 3: Railroads00:10:10 - The Efficiency and Importance of Railroads00:11:59 - Common Traits of Durable Sectors00:12:32 - Positioning Capital Before a Downturn00:14:52 - Recession Rewards: Cashflow and Essential Services00:15:25 - Conclusion: Growing Assets in Tough EconomiesFollow Lloyd:https://www.instagram.com/lloydjamesross/?hl=enhttps://www.linkedin.com/in/lloyd-j-ross-26b7859/https://www.facebook.com/lloyd.ross.7https://www.tiktok.com/@lloydjrosshttps://x.com/lloydjamesrossDISCLAIMERThis content is for educational and informational purposes only. This is not financial, investment, or legal advice. Investing carries inherent risks including potential loss of capital. Past performance does not guarantee future results. Always conduct thorough research and consult with qualified financial advisors before making investment decisions. Individual results vary based on market conditions, personal circumstances, and investment strategy.

What does Bitcoin produce? No cashflow, no earnings, no yield. Its price depends entirely on the next buyer paying more than you did. So why are so many people holding an asset that produces nothing?In this episode, Lloyd reveals:◼️ Why Bitcoin isn't the investment you think it is◼️ The difference between price movement and true value◼️ Why blockchain technology's value doesn't make Bitcoin a good investment◼️ The smarter, more predictable way to build lasting wealth◼️ Why you should invest in assets that produce cash flow, not speculationAchieve financial freedom and build lasting wealth 👉 http://moneybuyshappinessbook.com🔗 TAKE ACTION:Get Money Buys Happiness book: http://moneybuyshappinessbook.comTimestamps:00:00:00 - Introduction: What Does Bitcoin Produce?00:01:14 - The Problem with Speculative Assets00:02:49 - Blockchain's Value vs. Bitcoin's Lack of Utility00:06:23 - Investing vs. Speculating: The Key Difference00:08:43 - Why Warren Buffett-Style Investing Works00:10:00 - The Power of Cash-Flowing Assets (Stocks, Businesses )00:11:37 - Why the Speaker Avoids Gambling and Speculation00:12:31 - The Importance of a Teachable, Repeatable Wealth Strategy00:13:34 - Don't Bet on Lotto Tickets like Bitcoin00:14:45 - The Durable Way to Build Wealth for Generations00:15:53 - Final Thoughts: Stick to FundamentalsFollow Lloyd:https://www.instagram.com/lloydjamesross/?hl=enhttps://www.linkedin.com/in/lloyd-j-ross-26b7859/https://www.facebook.com/lloyd.ross.7https://www.tiktok.com/@lloydjrosshttps://x.com/lloydjamesrossDISCLAIMERThis content is for educational and informational purposes only. This is not financial, investment, or legal advice. Investing carries inherent risks including potential loss of capital. Past performance does not guarantee future results. Always conduct thorough research and consult with qualified financial advisors before making investment decisions. Individual results vary based on market conditions, personal circumstances, and investment strategy.

Achieve financial freedom and build lasting wealth 👉 http://moneybuyshappinessbook.com🔗 TAKE ACTION:Get Money Buys Happiness book: http://moneybuyshappinessbook.comGlobal fund managers, the IMF, and even Michael Burry are warning about the AI bubble. Yet billions are still pouring into companies like OpenAI, NVIDIA, and AMD despite unsustainable losses and circular financing deals. In this episode, Lloyd reveals:◼️ Why the AI bubble is coming◼️ How circular money flows are propping up the industry◼️ Why Australian investors with superannuation are more exposed than they realise◼️ The parallels with past industrial bubbles like dot‑com and railroads◼️ What this means for your portfolio and retirement savingsTimestamps:00:00:00 - Introduction00:01:14 - Understanding the Scale of the Bubble00:02:49 - Circular Deals and Vendor Financing00:06:23 - The Demand Problem in AI00:08:43 - Historical Context: Industrial Bubbles00:10:00 - Impact on Australian Superannuation 00:11:37 - Currency Risks for Australian Investors00:12:31 - Economic Implications of the AI Bubble00:13:34 - Concentration Risk in AI Investments00:14:45 - OpenAI's Central Role in the Market00:15:53 - Valuation Concerns and Market Adjustments00:18:09 - Differences Between AI and Dot-Com Bubbles00:20:24 - Strategies for Investors in the AI Space00:22:43 - Final Thoughts: Protecting Your WealthFollow Lloyd:https://www.instagram.com/lloydjamesross/?hl=enhttps://www.linkedin.com/in/lloyd-j-ross-26b7859/https://www.facebook.com/lloyd.ross.7https://www.tiktok.com/@lloydjrosshttps://x.com/lloydjamesrossDISCLAIMERThis content is for educational and informational purposes only. This is not financial, investment, or legal advice. Investing carries inherent risks including potential loss of capital. Past performance does not guarantee future results. Always conduct thorough research and consult with qualified financial advisors before making investment decisions. Individual results vary based on market conditions, personal circumstances, and investment strategy.

Achieve financial freedom and build lasting wealth 👉 http://moneybuyshappinessbook.com🔗 TAKE ACTION:Get Money Buys Happiness book: http://moneybuyshappinessbook.comIn this new episode, Lloyd James Ross breaks down why MicroStrategy’s leveraged bet on Bitcoin is starting to unravel. You’ll discover:◼️ How $17 billion vanished in just three months◼️ Why Michael Saylor’s debt‑fuelled Bitcoin strategy is dangerously fragile◼️ The domino effect that could trigger forced liquidations and margin calls◼️ Why MicroStrategy’s collapse could drag Bitcoin down with it◼️ What this means for investors watching the crypto marketTimestamps:00:00:00 - Introduction00:01:03 - Introduction to MicroStrategy00:01:48 - Michael Saylor's History00:02:31 - Understanding Equity and Liabilities00:03:35 - Illustrative Example of MicroStrategy's Finances00:05:00 - Impact of Bitcoin Price Drop00:06:35 - Minsky Moment and Financial Instability00:07:40 - Negative Convexity Explained00:09:05 - The Risks of Leverage00:10:07 - The Ponzi Scheme Allegation00:11:53 - The Consequences of Debt Maturity00:12:56 - Forced Selling and Market Impact00:14:09 - Theoretical Collapse of MicroStrategy00:15:57 - Bitcoin's Independence from MicroStrategyFollow Lloyd:https://www.instagram.com/lloydjamesross/?hl=enhttps://www.linkedin.com/in/lloyd-j-ross-26b7859/https://www.facebook.com/lloyd.ross.7https://www.tiktok.com/@lloydjrosshttps://x.com/lloydjamesrossDISCLAIMERThis content is for educational and informational purposes only. This is not financial, investment, or legal advice. Investing carries inherent risks including potential loss of capital. Past performance does not guarantee future results. Always conduct thorough research and consult with qualified financial advisors before making investment decisions. Individual results vary based on market conditions, personal circumstances, and investment strategy.

Achieve financial freedom and build lasting wealth 👉 http://moneybuyshappinessbook.com🔗 TAKE ACTION:Get Money Buys Happiness book: http://moneybuyshappinessbook.comIn this episode, Lloyd reveals why the Reserve Bank isn’t cutting rates as many expect, and why hikes are coming instead.◼️ Why inflation isn’t dead◼️ How higher rates will blindside homeowners◼️ The impact on property prices, consumer spending, and the Aussie dollar◼️ Why investors need to understand the link between rates and asset values◼️ What can be done right now to protect against the coming squeezeTimestamps:00:00:00 - Introduction00:01:00 - Current RBA Cash Rate and Inflation00:02:00 - Market Reactions and Economic Forecasts00:03:00 - Impact on Homeowners and Consumers00:04:00 - Consumer Spending and Inflation00:05:00 - Effects on Investors and Asset Prices00:06:00 - Australian Dollar and Capital Flow00:07:00 - Economic Changes and RBA Justifications00:08:00 - Common Misconceptions About Rate Cuts00:09:00 - Staying Informed on Economic TrendsFollow Lloyd:https://www.instagram.com/lloydjamesross/?hl=enhttps://www.linkedin.com/in/lloyd-j-ross-26b7859/https://www.facebook.com/lloyd.ross.7https://www.tiktok.com/@lloydjrosshttps://x.com/lloydjamesrossDISCLAIMERThis content is for educational and informational purposes only. This is not financial, investment, or legal advice. Investing carries inherent risks including potential loss of capital. Past performance does not guarantee future results. Always conduct thorough research and consult with qualified financial advisors before making investment decisions. Individual results vary based on market conditions, personal circumstances, and investment strategy.

Achieve financial freedom and build lasting wealth 👉 http://moneybuyshappinessbook.com🔗 TAKE ACTION:Get Money Buys Happiness book: http://moneybuyshappinessbook.comTrump’s Venezuela takeover has changed the energy game. In this episode, Lloyd reveals how this geopolitical shift creates one of the biggest wealth opportunities of the decade:◼️ Why Venezuela’s oil reserves suddenly matter again◼️ How Trump’s energy policy changes the global game◼️ The one company already on the ground, ready to profit◼️ Why Chevron’s integrated model makes it untouchable◼️ How Warren Buffett’s portfolio signals where the smart money flows◼️ The risks investors overlook, and why Chevron can absorb them◼️ Practical lessons on positioning, incentives, and structure to build lasting wealthTimestamps:00:00:00 - Introduction00:01:14 - Why Venezuela Matters Again00:02:07 - Trump's Energy Strategy00:03:30 - The Race for Oil and AGI00:05:05 - U.S. Control Over Venezuela00:06:12 - Chevron's Historical Context00:07:39 - Chevron's Position in Venezuela00:09:56 - The Oil Refining Process00:10:17 - Chevron's Integrated Business Model00:11:00 - Importance of Oil in Daily Life00:11:45 - Chevron's Financial Strength00:12:45 - Heavy Crude and Refining Challenges00:13:11 - Market Dynamics and Oil Prices00:14:24 - Cash Flow and Shareholder Benefits00:15:40 - Risks Involved in Oil InvestmentFollow Lloyd:https://www.instagram.com/lloydjamesross/?hl=enhttps://www.linkedin.com/in/lloyd-j-ross-26b7859/https://www.facebook.com/lloyd.ross.7https://www.tiktok.com/@lloydjrosshttps://x.com/lloydjamesrossDISCLAIMERThis content is for educational and informational purposes only. This is not financial, investment, or legal advice. Investing carries inherent risks including potential loss of capital. Past performance does not guarantee future results. Always conduct thorough research and consult with qualified financial advisors before making investment decisions. Individual results vary based on market conditions, personal circumstances, and investment strategy.

Achieve financial freedom and build lasting wealth 👉 http://moneybuyshappinessbook.com🔗 TAKE ACTION:Get Money Buys Happiness book: http://moneybuyshappinessbook.comThe entire 2026 money plan…explained fast. Lloyd covers your magic number, cash‑flow tracking, cost cuts, ETF compounding, and the disciplined behaviours that build a repeatable wealth system.◼️ How to calculate your magic number so you know exactly what you’re aiming for ◼️ The cash‑flow habits that free up money to actually invest ◼️ The simple ETF strategy that compounds your wealth year after yearTimestamps:00:00:00 - Introduction00:01:18 – Step 1: The Magic Number (your wealth target) 00:03:40 – Step 2: Tracking Cash Flow & Cutting Costs 00:06:55 – Step 3: Investing Simply with ETFs 00:08:33 – Building a Repeatable Wealth SystemFollow Lloyd:https://www.instagram.com/lloydjamesross/?hl=enhttps://www.linkedin.com/in/lloyd-j-ross-26b7859/https://www.facebook.com/lloyd.ross.7https://www.tiktok.com/@lloydjrosshttps://x.com/lloydjamesrossDISCLAIMERThis content is for educational and informational purposes only. This is not financial, investment, or legal advice. Investing carries inherent risks including potential loss of capital. Past performance does not guarantee future results. Always conduct thorough research and consult with qualified financial advisors before making investment decisions. Individual results vary based on market conditions, personal circumstances, and investment strategy.

Achieve financial freedom and build lasting wealth 👉 http://moneybuyshappinessbook.com🔗 TAKE ACTION:Get Money Buys Happiness book: http://moneybuyshappinessbook.comThe entire game of investing…explained in 60 seconds.Lloyd reveals the 3 rules that separate wealth builders from everyone else. Watch to the end.Timestamps:00:00:00 Introduction00:00:11 - Rule 100:00:22 - Rule 200:00:33 - Rule 3 Follow Lloyd:https://www.instagram.com/lloydjamesross/?hl=enhttps://www.linkedin.com/in/lloyd-j-ross-26b7859/https://www.facebook.com/lloyd.ross.7https://www.tiktok.com/@lloydjrosshttps://x.com/lloydjamesrossDISCLAIMERThis content is for educational and informational purposes only. This is not financial, investment, or legal advice. Investing carries inherent risks including potential loss of capital. Past performance does not guarantee future results. Always conduct thorough research and consult with qualified financial advisors before making investment decisions. Individual results vary based on market conditions, personal circumstances, and investment strategy.

In this new episode, Lloyd James Ross exposes the $1.5 trillion AI bubble threatening your superannuation, property portfolio, and the wider economy, showing why smart investors are exiting, why most AI projects may never be profitable, and how hype-driven valuations built on circular revenue loops could collapse fast, and most importantly, how you can protect your wealth and be ready to seize real opportunities when the bubble bursts.Want to achieve financial freedom and build lasting wealth? Get the strategies you need—grab your copy of Money Buys Happiness today: http://moneybuyshappinessbook.comFollow Lloyd:https://www.instagram.com/lloydjamesross/?hl=enhttps://www.linkedin.com/in/lloyd-j-ross-26b7859/ https://www.facebook.com/lloyd.ross.7 https://www.tiktok.com/@lloydjrosshttps://x.com/lloydjamesrossTimestamps00:00:00 - Introduction00:01:46 - Michael Burry's AI Short Position00:05:02 - Elite Investors Exiting AI00:07:10 - The $4 Trillion Web of AI Deals00:09:01 - Alibaba and Industrial Bubbles00:10:05 - The Future of AI and AGI00:12:02 - Mainstream Media and AI Bubble Warnings00:14:01 - Skeptics and Circular Revenue Concerns00:15:05 - NVIDIA's Financial Red Flags00:16:42 - Protecting Your Wealth from the AI Bubble00:17:13 - The Global Impact of the AI Bubble00:18:07 - MIT Study on AI Project Profitability00:19:00 - Timeline for Potential AI Bubble Burst00:21:08 - Investment Strategies for AI Bubble00:23:05 - Historical Patterns of Bubbles00:24:08 - Preparing for the AI Bubble Burst

In this new episode, Lloyd breaks down the truth behind the headline that 85 million jobs will disappear by 2026, and reveals whether AI is really going to destroy your financial future. While governments push universal basic income as a safety net, it’s really a trap that creates dependency, limits your potential, and keeps you controlled.Lloyd explores what the headlines about AI job losses are really missing, and why the biggest risk isn’t automation itself but failing to adapt. He shows how the choices you make now will determine whether you fall into dependency or build lasting financial strength.Want to achieve financial freedom and build lasting wealth? Get the strategies you need—grab your copy of Money Buys Happiness today: http://moneybuyshappinessbook.comFollow Lloyd:https://www.instagram.com/lloydjamesross/?hl=enhttps://www.linkedin.com/in/lloyd-j-ross-26b7859/ https://www.facebook.com/lloyd.ross.7 https://www.tiktok.com/@lloydjrosshttps://x.com/lloydjamesrossTimestamps00:00:00 - Introduction00:02:50 - The Pattern of Technological Change00:03:50 - Australia's Unique Skills Shortage00:05:30 - The Reality of Job Creation vs. Job Loss00:06:30 - The Risks of Universal Basic Income (UBI)00:08:30 - The Deception of UBI: Dependency vs. Independence00:10:00 - Cost Reduction vs. Income: The Future of Wealth00:11:30 - Three Steps to Financial Indestructibility00:12:00 - Step 1: Achieving Escape Velocity00:13:30 - Step 2: Building Your Antifragile Stack00:15:00 - Step 3: Investing in Yourself00:16:30 - The Importance of Skills in the Age of AI00:18:00 - Choosing Your Path: UBI Trap vs. Wealth Path00:19:30 - The Real Threat: Financial Unpreparedness00:20:30 - Empowering the Next Generation

In this episode, Lloyd reacts to the housing crisis and exposes how property has become an investment vehicle instead of a home. He breaks down tax policies, banking scandals, and debt traps facing first‑home buyers, while sharing why overpriced markets are setting up for collapse.Discover how to protect your wealth, avoid risky borrowing, and build financial freedom without being crushed by the property bubble.Want to achieve financial freedom and build lasting wealth? Get the strategies you need—grab your copy of Money Buys Happiness today: http://moneybuyshappinessbook.comFollow Lloyd:https://www.instagram.com/lloydjamesross/?hl=enhttps://www.linkedin.com/in/lloyd-james-ross-87818129a/?originalSubdomain=auhttps://www.facebook.com/5stepstomillions/https://www.tiktok.com/@lloydjrosshttps://x.com/lloydjamesrossTimestamps00:00:00 - Introduction00:01:00 – MicroStrategy’s Massive Leveraged Bitcoin Bet00:03:52 – Japan’s Carry Trade & Looming Rate Hikes00:07:01 – Why Australia Is Deeply Exposed to Crypto00:10:09 – The Ultimate Black Swan: Satoshi Nakamoto’s Wallet00:12:07 – Portfolio Risk Exposure & Diversification Advice00:17:17 – Behavioral Traps: HODL Mentality & Laser Eyes Cult00:21:39 – Signals to Watch: Japan, MicroStrategy, Regulation & Black Swans00:23:44 – Bigger Picture: Speculative Bubble Across All Assets00:24:43 – Smart Money Moves: Buffett, Dalio & Value Investors00:27:39 – Final Warning: Protect Wealth, Diversify & Prepare for the Storm

In this episode, Lloyd reveals why the Australian property market is a ticking time bomb, and why a crash isn’t just inevitable, it’s necessary to prevent something far worse. With $11.6 trillion in property propped up by $2.6 trillion in debt, households are drowning under unsustainable repayments, and government policies like the 5% deposit scheme and high immigration are only making it worse.Lloyd explains how APRA is stepping in to temper the market, why unchecked greed is driving housing into bubble territory, and what a controlled correction could mean for both owners and renters. Most importantly, he shows you how to protect your wealth and position yourself for the opportunities that will come after the fall.Want to achieve financial freedom and build lasting wealth? Get the strategies you need—grab your copy of Money Buys Happiness today: http://moneybuyshappinessbook.comFollow Lloyd:https://www.instagram.com/lloydjamesross/?hl=enhttps://www.linkedin.com/in/lloyd-james-ross-87818129a/?originalSubdomain=auhttps://www.facebook.com/5stepstomillions/https://www.tiktok.com/@lloydjrosshttps://x.com/lloydjamesrossTimestamps00:00:00 - Introduction00:01:03 - Understanding the Current Housing Market Crisis00:01:35 - Government Policies Fueling the Problem00:02:59 - The Impact of High Immigration on Housing Prices00:04:36 - Political Implications of Immigration Policies00:05:10 - The Role of APRA in Regulating the Market00:06:56 - Consequences of Low Interest Rates on Inflation00:08:10 - Potential Fallout from a Housing Market Collapse00:09:54 - APRA's Measures to Stabilize the Market00:11:23 - The Human Need for Shelter vs. Investment00:12:59 - The Need for a Balanced Approach to Housing Prices00:13:40 - Conclusion: The Future of the Australian Housing Market

Want to achieve financial freedom and build lasting wealth? Get the strategies you need—grab your copy of Money Buys Happiness today: http://moneybuyshappinessbook.comIn this episode, Lloyd James Ross breaks down why he believes the Bitcoin “death spiral” has already started and what it could mean for your money, especially if you’re exposed to crypto. He unpacks MicroStrategy’s massive leveraged Bitcoin bet, the looming unwind of the Japanese carry trade, and how these risks could trigger a chain reaction across crypto, stocks, property, and even the Australian dollar. From margin calls and forced selling to behavioral traps like HODL culture and hype-driven investing, this is a blunt, no-fluff look at systemic risk, capital preservation, and how to actually prepare for a major market shock instead of getting caught in it.Follow Lloyd:https://www.instagram.com/lloydjamesross/?hl=enhttps://www.linkedin.com/in/lloyd-james-ross-87818129a/?originalSubdomain=auhttps://www.facebook.com/5stepstomillions/https://www.tiktok.com/@lloydjrosshttps://x.com/lloydjamesrossTimestamps[00:00:00] Introduction[00:01:00] MicroStrategy’s leveraged Bitcoin bet[00:02:32] How a forced sell-off could trigger a death spiral[00:04:00] Japan’s carry trade and cheap money fueling Bitcoin[00:06:38] Why this matters for Australia and the wider economy[00:10:04] Satoshi’s wallet and the ultimate black swan risk[00:12:10] Portfolio risk, diversification, and what to do now[00:17:47] Behavioral traps, smart money moves, and final warning

Want to achieve financial freedom and build lasting wealth? Get the strategies you need—grab your copy of Money Buys Happiness today: http://moneybuyshappinessbook.comIn this episode, Lloyd reveals his 10 income streams that have lead him to become a multi-millionaire in his early 40's. He highlights the importance of creating multiple streams of income, referencing the saying that the average millionaire has seven sources. Find out how you can take control of your financial future by adopting the right mindset and strategies to grow your wealth and achieve financial freedom. Follow Lloyd:https://www.instagram.com/lloydjamesross/?hl=enhttps://www.linkedin.com/in/lloyd-james-ross-87818129a/?originalSubdomain=auhttps://www.facebook.com/5stepstomillions/https://www.tiktok.com/@lloydjrosshttps://x.com/lloydjamesrossTimestamps[00:00:00] Introduction[00:01:14] Ten sources of income.[00:03:10] Publishing to build your brand.[00:06:39] Mindset and money collaboration.[00:10:40] Royalty income from book sales.[00:12:46] Accounting business partnership opportunity.

In this episode, Lloyd James Ross, a seven-figure investor and entrepreneur, shares insights on wealth-building through various asset classes over the past 45 years. He compares the returns on a hypothetical $100,000 investment made in 1980 across different options, revealing that gold would have appreciated to $770,000, while Tokyo real estate would only be worth $150,000 today. Interestingly, a 10-year treasury investment would have grown to $1.3 million. Lloyd emphasizes the importance of understanding financial strategies and overcoming old money habits to achieve financial freedom. He discusses the benefits of savings accounts, noting that a $100,000 investment in such an account would be worth $700,000 today, highlighting the varying interest rates across different regions. Tune in to learn how to make your money work for you and take control of your financial future!Want to achieve financial freedom and build lasting wealth? Get the strategies you need—grab your copy of Money Buys Happiness today: http://moneybuyshappinessbook.comFollow Lloyd:https://www.instagram.com/lloydjamesross/?hl=enhttps://www.linkedin.com/in/lloyd-james-ross-87818129a/?originalSubdomain=auhttps://www.facebook.com/5stepstomillions/https://www.tiktok.com/@lloydjrosshttps://x.com/lloydjamesrossTimestamps[00:00:00] Introduction[00:01:03] Asset class returns comparison.[00:05:41] Real estate recession insights.[00:07:16] New York real estate returns.[00:12:46] S&P 500 investment returns.[00:15:56] Apple investment returns.[00:18:41] Position sizing in investing.[00:20:35] Position sizing in investments.

In this episode, Lloyd James Ross, a seven-figure investor and entrepreneur, shares insights on network marketing as a viable option for earning extra income with minimal financial risk. He discusses the importance of selecting the right company, product, compensation plan, and team, emphasizing that while it may take time to see returns, the potential for recurring income and tax deductions makes it a worthwhile endeavor. Lloyd recounts his own journey into network marketing, which began as a side gig while he was in the property business. He highlights the significance of finding opportunities to work beyond a core job and how his wife was introduced to network marketing through family, leading to their initial success. Tune in for valuable strategies on building wealth and achieving financial freedom through network marketing.Want to achieve financial freedom and build lasting wealth? Get the strategies you need—grab your copy of Money Buys Happiness today: http://moneybuyshappinessbook.comFollow Lloyd:https://www.instagram.com/lloydjamesross/?hl=enhttps://www.linkedin.com/in/lloyd-james-ross-87818129a/?originalSubdomain=auhttps://www.facebook.com/5stepstomillions/https://www.tiktok.com/@lloydjrosshttps://x.com/lloydjamesrossTimestamps[00:00:00] Introduction[00:00:00] Network marketing as income source.[00:04:31] Network marketing as entrepreneurship school.[00:06:57] Network marketing success tips.[00:10:50] Network marketing legality explained.[12:34:56] The power of storytelling.

In this episode, Lloyd James Ross, a seven-figure investor and entrepreneur, dives into the controversial topic of homeownership, specifically why he, as a multimillionaire, chooses not to own a house. He discusses the common pitfalls many face, such as being trapped in old money habits and the financial stress that comes with heavy mortgage commitments. Lloyd emphasizes the importance of investing in oneself and building additional income streams, rather than tying up finances in property. He shares insights on mindset and strategies for achieving financial freedom, making it clear that true wealth comes from making your money work for you. Tune in to discover Lloyd's unique perspective on property ownership and wealth-building.Want to achieve financial freedom and build lasting wealth? Get the strategies you need—grab your copy of Money Buys Happiness today: http://moneybuyshappinessbook.comFollow Lloyd:https://www.instagram.com/lloydjamesross/?hl=enhttps://www.linkedin.com/in/lloyd-james-ross-87818129a/?originalSubdomain=auhttps://www.facebook.com/5stepstomillions/https://www.tiktok.com/@lloydjrosshttps://x.com/lloydjamesrossTimestamps[00:00:00] Introduction[00:01:02] Why I don't own property.[00:03:00] Renting vs. Home Ownership.[00:08:30] Mortgage and financial freedom.[00:12:01] Diversifying income streams for freedom.[00:14:01] Buying properties for wrong reasons.[00:15:28] Lifestyle over property investment.[00:18:27] Business decision over property investment.[00:21:38] Changing investment strategies for millennials.[00:26:37] Renting vs. owning philosophy.[00:27:50] Building wealth strategies.