Money Grows on Trees

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• #336 - How The Budget Impacts Every Asset Class (Long-term view) 09.06.2026 22分

  Already house poor or worried you might be? Grab a copy of House Poor:https://moneybuyshappinessbooks.com/housepoorbookWant to achieve financial freedom and build lasting wealth? Get the strategies you need—grab your copy of Money Buys Happiness today: http://moneybuyshappinessbook.comThe 2026 Australian federal budget just fundamentally changed the rules of investing. In this episode, Lloyd breaks down exactly how scrapping the 50% capital gains tax discount impacts every asset class from property and shares to crypto and gold—and what it means for your wealth-building strategy.This episode explores:■ How the CGT discount removal affects property investors, business owners, and share traders■ Why the budget is really a tax grab, not tax reform■ Which assets will be hit hardest and which strategies still work■ How to navigate these changes without derailing your long-term wealth planTimestamps:00:00:00 - Introduction: The Budget Changed Everything00:00:42 - The 50% CGT Discount Scrapped on Most Assets00:02:10 - How Indexation and 30% Minimum Tax Rate Works00:03:07 - Negative Gearing Changes: New Builds Only00:05:09 - Superannuation Over $3 Million Now Taxed on Unrealized Gains00:06:05 - Discretionary Trusts and Bucket Companies Hit with 30% Minimum00:06:57 - Why Business Owners Are Most Impacted00:08:05 - The 15-Year Concession for Business Owners00:09:14 - How Shares Are Affected (And Why You Shouldn't Sell )00:10:23 - Property Investment Second-Hand Market Will Slow Down00:11:01 - The Shift to Brand New Properties and Personal Residences00:12:08 - Crypto and Gold Hit Hardest (No Income Produced)00:14:23 - Alternative Assets and the Reallocation of Capital00:15:24 - The Real Impact: Hold Quality Assets for 30-40 Years00:22:40 - Final Takeaway: Government Spending and Immigration Matter MoreFollow 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.
• #335 - Can You Really Thrive in Today’s Economy? 04.06.2026 12分

  Already house poor or worried you might be? Grab a copy of House Poor:https://moneybuyshappinessbooks.com/housepoorbookWant to achieve financial freedom and build lasting wealth? Get the strategies you need—grab your copy of Money Buys Happiness today: http://moneybuyshappinessbook.com The market is flashing signals investors can’t afford to ignore. In this episode, Lloyd reacts to what’s happening right now, why it feels eerily familiar to past bubbles, and what that means for anyone holding stocks today.◼️ The warning signs repeating from history◼️ Why valuations matter more than technology hype◼️ How smart investors prepare when markets look stretchedTimestamps:00:00:00 - Introduction00:00:12 - Government Taxation Critique00:00:42 - Bracket Creep and New Taxes00:01:26 - Impact of Rising Debt Costs00:02:10 - Government Spending and Inflation00:02:35 - Criticism of Economic Complaints00:03:07 - Wealth Perception and Mindset00:03:57 - Interest Rate Hikes and Inflation00:05:09 - Tax Office and Crazy Claims00:06:05 - Benefits of Home-Based Businesses00:06:57 - Promoting Financial Education Book00:07:35 - Government Incompetence Critique00:08:05 - Taxation in Australia00:09:14 - Structuring Investments to Mitigate Taxes00:10:23 - Bank Withdrawal Questions00:11:01 - Anti-Money Laundering LegislationFollow 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.
• #334 - The Last Time the Stock Market Did This, It Took 14 Years to Recover 02.06.2026 14分

  Already house poor or worried you might be? Grab a copy of House Poor:https://moneybuyshappinessbooks.com/housepoorbookWant to achieve financial freedom and build lasting wealth? Get the strategies you need—grab your copy of Money Buys Happiness today: http://moneybuyshappinessbook.com The stock market is flashing signals we haven’t seen since the year 2000. Back then, valuations hit extremes, the Nasdaq collapsed 78%, and investors waited 14 years just to break even. In this episode, Lloyd breaks down why history is rhyming again, what the AI boom looks like compared to the dot‑com bubble, and how to protect yourself before it’s too late.◼️ What happened in the 2000 Nasdaq crash and why it matters now◼️ The eerie parallels between today’s AI hype and the dot‑com bubble◼️ Why valuations, not technology, decide your returns◼️ The difference between speculating and investing with discipline◼️ How smart money prepared then, and what you can learn nowTimestamps:00:00:00 - Introduction00:00:41 - The NASDAQ Run-Up00:01:03 - NASDAQ Growth from 1995 to 200000:01:24 - NASDAQ Forward PE Ratio00:01:46 - Current NASDAQ Valuation00:02:07 - Investor Behavior in 200000:02:30 - The Dot-Com Crash00:03:21 - Long-Term Recovery Post-Crash00:04:03 - The Cisco Story00:05:06 - Cisco's Valuation and Collapse00:06:14 - Technology vs. Price00:07:05 - Low Interest Rates and Venture Capital00:08:00 - Market Sentiment and Valuation Metrics00:09:04 - AI Bubble vs. Dot-Com Bubble00:10:08 - Concentration in the S&P 50000:10:39 - AI Spending and Market Fragility00:11:56 - Smart Money vs. Retail Investors00:12:57 - Investment Strategies and Historical Lessons00:13:28 - Conclusion and Final AdviceFollow 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.
• #333 - Why 2 Incomes Made the Middle Class Poorer 27.05.2026 17分

  Already house poor or worried you might be? Grab a copy of House Poor:https://moneybuyshappinessbooks.com/housepoorbookWant to achieve financial freedom and build lasting wealth? Get the strategies you need—grab your copy of Money Buys Happiness today: http://moneybuyshappinessbook.com Two incomes were supposed to make life easier, but the data shows they simply pushed house prices higher and left the middle class working harder for less. In this new episode, Lloyd breaks down how the two‑income trap reshaped Australia’s economy and why families feel more stretched than ever.◼️ How house prices jumped from 3.7 to 9.4 times income◼️ The real hourly rate of the second earner after outsourcing costs◼️ Why the extra income was absorbed into borrowing capacity instead of building wealthTimestamps:00:00:00 - Introduction00:01:30 - Historical Context: House Prices vs. Wages00:03:00 - The Shift in Household Income Dynamics00:04:30 - Economic Consequences of Increased Female Workforce Participation00:06:00 - The Real Cost of the Second Income00:08:00 - The Time Cost of Two-Income Households00:09:30 - Winners and Losers in the New Economy00:11:00 - Practical Steps to Navigate the Two-Income Trap00:13:30 - Reassessing Your Financial Strategy00:15:00 - The Call to Action: Take Control of Your FutureFollow 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.
• #332 - 10 Things That Are No Longer Worth Your Money 21.05.2026 27分

  Already house poor or worried you might be? Grab a copy of House Poor:https://moneybuyshappinessbooks.com/housepoorbookWant to achieve financial freedom and build lasting wealth? Get the strategies you need—grab your copy of Money Buys Happiness today: http://moneybuyshappinessbook.comSpending feels harder than ever and a lot of it comes down to everyday costs that have quietly blown out over the years.In this new episode, Lloyd breaks down the 10 things that no longer deliver real value and why they drain far more than people realise.◼️ Property and weddings that no longer stack up◼️ Eating out and delivery apps that now cost multiples more◼️ New cars and phone upgrades that burn thousands in depreciation◼️ Managed funds and warranties that offer little return◼️ Comfort and status purchases that no longer justify the priceTimestamps:00:00:00 - Introduction00:01:58 - The Unaffordability of Property00:04:54 - The Rising Costs of Traditional Weddings00:06:54 - The Expense of Eating Out00:09:25 - The Pricey Convenience of Delivery Apps00:11:15 - The Pitfalls of Buying New Cars00:14:34 - Upgrading Your Phone Too Often00:16:30 - The Downside of Actively Managed Mutual Funds00:18:39 - The Myth of Extended Warranties00:20:59 - The High Cost of Business-Class Flights00:24:17 - The Increasing Price of Concerts and FestivalsFollow 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.
• #331 - Is It Negligent To Buy Property? 19.05.2026 30分

  Already house poor or worried you might be? Grab a copy of House Poor:https://moneybuyshappinessbooks.com/housepoorbookWant to achieve financial freedom and build lasting wealth? Get the strategies you need—grab your copy of Money Buys Happiness today: http://moneybuyshappinessbook.com Buying property right now looks like the default path, but the real numbers behind deposits, interest and long‑term ownership costs tell a very different story. In this episode, Lloyd breaks down what most people never calculate before committing to a 30‑year loan.◼️ The true upfront cost of a $1M home ◼️ The annual bleed rate buyers overlook ◼️ Why opportunity cost changes the whole equation ◼️ How interest, inflation and operating costs stack up over 30 years ◼️ When buying actually makes sense, and when it doesn’tTimestamps:00:00:00 - Introduction00:01:00 - Breaking Down the Initial Costs00:02:30 - Understanding Lenders Mortgage Insurance (LMI)00:04:00 - Mortgage Repayment Breakdown00:06:00 - The Annual Bleed Rate Explained00:08:00 - Operating Costs of Homeownership00:10:00 - The Hidden Costs of Homeownership00:12:00 - Total Cost of Owning a Home00:14:00 - The Growth Rate Needed to Break Even00:15:30 - Opportunity Cost of Capital00:17:00 - The Case for Renting vs. Buying00:19:00 - Comparing Long-Term Financial Outcomes00:21:00 - Cultural vs. Financial Decisions in Home Buying00:23:00 - When Buying Property Makes Sense00:25:00 - Final Thoughts on Property Investment00:27:00 - Conclusion: Is Buying Property Negligent?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.
• #330 - Breaking: Australian Property Is Officially Collapsing 13.05.2026 21分

  Already house poor or worried you might be? Grab a copy of House Poor:https://moneybuyshappinessbooks.com/housepoorbookWant to achieve financial freedom and build lasting wealth? Get the strategies you need—grab your copy of Money Buys Happiness today: http://moneybuyshappinessbook.com Australian property prices are beginning to shift, and the early data is pointing in a direction that challenges long‑held assumptions. Clearance rates are falling, listings are being repriced, and borrowing power is tightening faster than most buyers realise. In this new episode, Lloyd explores what the numbers are signalling beneath the headlines and why the next phase of the cycle may look very different from the last decade.Viewers will hear:◼️ What recent data points suggest about the first signs of a broader change◼️ Why certain cities are softening earlier than others◼️ How rate rises, inflation and mortgage stress are influencing buyer behaviour◼️ What affordability trends may indicate about the direction of the market◼️ Why supply constraints complicate the simple “up or down” narrative◼️ What someone should consider before making their next property decisionTimestamps:00:00:00 - Introduction00:00:21 - Current Market Data Overview00:00:42 - Sydney and Melbourne Price Trends00:01:36 - Impact of RBA Rate Hikes00:02:39 - Inflation and Economic Factors00:03:29 - Mortgage Stress and Borrowing Power00:05:29 - Affordability Issues in Major Cities00:07:14 - Investment Opportunities in Melbourne00:09:21 - Demand and Supply Dynamics00:10:03 - Construction Challenges and Supply Shortage00:11:38 - Future Market Predictions00:12:20 - The Importance of Affordability00:13:45 - Understanding Market Cycles00:15:00 - Potential for Property Price Corrections00:16:34 - Time to Buy: Market Conditions00:19:15 - Conclusion: Navigating the Property MarketFollow 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.
• #329- The System Is Designed To Keep Australian’s Poor 07.05.2026 15分

  Already house poor or worried you might be? Grab a copy of House Poor:https://moneybuyshappinessbooks.com/housepoorbookWant to achieve financial freedom and build lasting wealth? Get the strategies you need—grab your copy of Money Buys Happiness today: http://moneybuyshappinessbook.comThe financial rules people assume are normal are actually engineered to keep them stuck. In this new episode, Lloyd breaks down how the system is structured to reward confusion, punish workers and keep everyday Australians in long term debt without ever realising why.This episode covers:◼️ Financial literacy gaps that leave people unprepared for real world decisions◼️ Tax settings that punish labour and shape how people earn◼️ Debt structures that lock households in for decades at a time◼️ Property and super incentives that influence behaviour more than people realise◼️ Industries built on confusion that reinforce the same cycle year after yearTimestamps:00:00:00 - Introduction00:01:14 - Cultural and Educational Gaps00:02:09 - Personal Anecdote: Mr. Barber's Advice00:03:00 - The Need for Financial Literacy in Schools00:03:32 - Progressive Tax System: Punishing Work00:03:54 - Capital Gains Tax Discount00:04:16 - Rewarding Wealth Over Work00:04:29 - Example: Argentina's Economic Reforms00:05:04 - Incentives for Business Owners00:05:25 - Government Bureaucracy and Greed00:05:47 - Banking System: Lifelong Debt00:06:30 - Book Promotion: Money Buys Happiness00:07:02 - Superannuation: Fees and Underperformance00:07:24 - Super Funds: Stealing Through Fees00:08:39 - Effective Tax Models from Other Countries00:08:59 - Media's Role in Property Market00:09:31 - Financial Advisors: Incentives and Conflicts00:10:02 - Personal Experience with Financial Advisors00:11:04 - Buy Now, Pay Later: Debt Addiction00:11:47 - First Home Buyer Schemes: Debt Servitude00:13:43 - Taking Control of Your Financial Education00:14:25 - Different Inputs for Different OutcomesFollow 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.
• #328 - The 10 Dumbest Things I’ve Seen People Do With Money 05.05.2026 12分

  Already house poor or worried you might be? Grab a copy of House Poor:https://moneybuyshappinessbooks.com/housepoorbookWant to achieve financial freedom and build lasting wealth? Get the strategies you need—grab your copy of Money Buys Happiness today: http://moneybuyshappinessbook.com Most people do not lose wealth from market crashes, they lose it from everyday decisions that quietly compound against them. In this episode, Lloyd breaks down the ten money mistakes he sees most often, the ones that feel harmless in the moment but cost people years of progress.◼️ How lifestyle creep drains every pay rise without people noticing◼️ Why new car debt and home equity spending quietly destroy wealth◼️ The panic selling pattern that wipes out compounding◼️ The hidden fees, bad advice and misunderstood investments that erode returns◼️ Why high net worth does not equal real wealth if there is no cashflowTimestamps:00:00:00 - Introduction00:00:41 - Lifestyle Inflation: The Silent Wealth Killer00:01:22 - Buying a Brand New Car with Debt00:03:06 - Using Home Equity Like an ATM00:04:08 - Panic Selling During Downturns00:05:01 - Using SMSF to Buy Lifestyle Assets00:05:21 - Investing in Things You Don't Understand00:06:03 - Paying High Fees to Financial Advisors00:08:00 - Keeping Savings in Low-Interest Accounts00:09:16 - Going Guarantor on Someone Else's Loan00:10:19 - Confusing Net Worth with Wealth00:12:25 - Conclusion: Avoiding Financial MistakesFollow 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.
• #327 - The Hack To Retire at 55 29.04.2026 16分

  Already house poor or worried you might be? Grab a copy of House Poor:https://moneybuyshappinessbooks.com/housepoorbookWant to achieve financial freedom and build lasting wealth? Get the strategies you need—grab your copy of Money Buys Happiness today: http://moneybuyshappinessbook.com Most Australians retire at 67 with barely enough super to last a decade. But a small group retires at 55 with income‑producing assets that pay them for life. In this episode, I break down why super alone can’t get you out early, the three assets that actually move the needle, and the mindset shift that separates people who retire at 55 from those who work until 70.◼️ Why super is too slow and too restricted to rely on◼️ The three assets that build income before preservation age◼️ The real reason most people never reach their retirement target◼️ The shift from “retire early” to “work on your terms” that changes everythingTimestamps:00:00:00 - Introduction00:01:41 - The Problem with Superannuation00:02:56 - Three Essential Assets for Early Retirement00:03:41 - Building a Share Portfolio00:04:54 - The Importance of Business for Income00:06:08 - Personal Example: Grandparents' Business Success00:07:43 - The Role of Property Investment00:10:03 - The Reality of Retirement Expectations00:12:11 - Rethinking Retirement00:13:29 - Creating a Purposeful Work LifeFollow 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.
• #326 - I'm a Multi-Millionaire and I Rent 23.04.2026 23分

  Already house poor or worried you might be? Grab a copy of House Poor:https://moneybuyshappinessbooks.com/housepoorbookWant to achieve financial freedom and build lasting wealth? Get the strategies you need—grab your copy of Money Buys Happiness today: http://moneybuyshappinessbook.com In this episode, Lloyd breaks down why so many Aussies feel “house rich, cash poor”, how the cultural pressure to buy distorts real decision‑making, and what the true cost of ownership looks like when you strip away the narrative.◼️ The cultural obsession that keeps Australians locked into mortgages◼️ Why high asset value doesn’t equal freedom or cashflow◼️ The real cost of ownership most people never calculate◼️ The opportunity cost that quietly destroys long‑term wealthTimestamps:00:00:00 - Introduction00:02:08 - The Conflict of Interest in Property00:03:11 - The Reality of Being House Poor00:05:01 - The Social Pressure of Home Ownership00:06:04 - Historical Property Market Trends00:07:22 - The Impact of Cheap Credit00:08:45 - Understanding the True Cost of Home Ownership00:10:12 - Operating Costs of Property00:12:27 - Opportunity Cost of Home Ownership00:13:48 - The Case for Rent Vesting00:15:28 - Intelligent Capital Deployment00:17:58 - The Risks of Concentration in Real Estate00:19:12 - The Importance of Financial Flexibility00:21:11 - Buying from the Spreadsheet, Not Shame00:22:15 - The Dangers of Illiquid AssetsFollow 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.
• #325 - The Last Time Property Did This, It took 70 Years to Recover 21.04.2026 17分

  Already house poor or worried you might be? Grab a copy of House Poor:https://moneybuyshappinessbooks.com/housepoorbookWant to achieve financial freedom and build lasting wealth? Get the strategies you need—grab your copy of Money Buys Happiness today: http://moneybuyshappinessbook.comThe last time Australia saw a property boom like this, it ended in a 50% crash, and the recovery took 70 years. Most Aussies think property “always goes up”, but history tells a very different story. In this episode, Lloyd breaks down the 1890s crash, why the same conditions are forming again, and what it means for your money today.◼️ Why the 1890s property boom collapsed and wiped out 50% of values ◼️ The parallels between that crash and today’s interest rates, credit and confidence ◼️ How macro shocks (oil, AI, unemployment) can trigger a downturn ◼️ Why overpriced, non‑productive property can stagnate for decadesTimestamps:00:00:00 - Introduction00:01:00 - Historical Context: The Boom in Melbourne (1870-1888)00:02:30 - The Detachment from Reality: Property Prices Skyrocket00:04:00 - Triggers of the 1890s Crash: Capital Withdrawal and Rising Interest Rates00:06:00 - The Collapse of Confidence and Its Consequences00:07:30 - Comparisons to Current Market Conditions00:09:00 - The Impact of External Factors on the Economy00:10:30 - Lessons from the 1890 Crash: Long Recovery Period00:12:00 - Potential Future Scenarios for the Property Market00:13:30 - The Role of Credit and Employment in Property Markets00:15:00 - Final Thoughts: Caution in Real Estate 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.
• #324 - Is SpaceX An Opportunity For The Average Aussie? 15.04.2026 27分

  Already house poor or worried you might be? Grab a copy of House Poor:https://moneybuyshappinessbooks.com/housepoorbookWant to achieve financial freedom and build lasting wealth? Get the strategies you need—grab your copy of Money Buys Happiness today: http://moneybuyshappinessbook.comSpaceX looks like the investment opportunity of a generation, but most people don’t understand how the IPO works or what they’re actually buying. In this episode, Lloyd breaks down the numbers behind SpaceX, the realities of IPO investing, and why excitement about rockets and Mars missions doesn’t automatically translate into a good return for everyday Australians.This episode explores:■ SpaceX IPO mechanics and what an IPO really is■ Why industrial revolutions create bubbles rather than guaranteed profits■ How past innovations like railroads, airlines and dot‑coms wiped out investors■ SpaceX revenue vs valuation and what a $1.5–$2 trillion price implies■ Why proven businesses like Meta offer a clearer investment case than speculative IPOsTimestamps:00:00:00 - Introduction00:01:02 - The Impact of SpaceX on Civilization00:02:50 - Cost Reduction in Space Travel00:04:58 - Investment Considerations00:06:44 - Historical Context of Industrial Revolutions00:08:09 - Understanding SpaceX's Business Model00:10:36 - Valuation and Revenue Analysis00:12:01 - Market Expectations and Risks00:13:47 - Comparing SpaceX to Meta00:16:29 - Investment Strategy Insights00:19:20 - Final Thoughts on SpaceX IPOFollow 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.
• #323 - Why THIS Is Worthless 09.04.2026 21分

  Already house poor or worried you might be? Grab a copy of House Poor:https://moneybuyshappinessbooks.com/housepoorbookWant to achieve financial freedom and build lasting wealth? Get the strategies you need—grab your copy of Money Buys Happiness today: http://moneybuyshappinessbook.comThe $100 note in your wallet is worth less today than it was yesterday, not because of normal inflation, but because the modern monetary system is designed to erode your purchasing power over time. In this new episode, Lloyd explains how fiat currency actually works, why governments deliberately debase money, and what that means for everyday Australians.This episode explores:■ How fiat currency was created and why it replaced the gold standard■ Why controlled inflation works, and why deflation destroys economies■ The four ways governments intentionally debase currency■ Why wage growth has not kept up with inflation in recent years■ How political decisions, spending blowouts and bureaucracy accelerate currency declineTimestamps:00:00:00 - Introduction00:00:42 - Understanding Fiat Currency00:01:03 - The Gold Standard: A Historical Perspective00:01:35 - The Great Depression and World War II Impact00:02:07 - The Nixon Shock: End of the Gold Standard00:02:29 - What is Fiat Money?00:03:00 - Trust and Belief in Currency00:05:07 - Historical Case: Napoleonic Wars and Deflation00:06:10 - Returning to the Gold Standard: Consequences00:07:05 - Controlled Inflation: The 2% Model00:09:01 - Government's Role in Currency Debasement00:09:33 - Quantitative Easing: Printing More Money00:14:54 - Impact on Productivity and Economy00:15:26 - How Currency Debasement Affects You00:17:00 - The Role of Government Policies00:18:03 - The Future of Currency Debasement00:19:06 - Investing in Gold vs. Businesses00:20:01 - Importance of Voting for Economic Policies00:20:33 - Conclusion: Leadership and Currency ManagementFollow 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.
• #322 - Is the Australian Property Market Collapsing!? 07.04.2026 20分

  Already house poor or worried you might be? Grab a copy of House Poor:https://moneybuyshappinessbooks.com/housepoorbookWant 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 new episode, Lloyd breaks down why the Australian property boom was driven by seven powerful tailwinds, and why every one of them is now weakening or reversing. He explains how rising rates, political pressure, shifting immigration policy and new economic headwinds are reshaping the next decade, and why the conditions that made property a guaranteed win can’t be repeated.This episode explores:■ The 7 tailwinds that drove 30 years of growth, and why they can’t repeat■ How rising rates, inflation and oil shocks reverse the biggest force behind the boom■ Why mass immigration, tax policy and government schemes are shifting into headwinds■ The impact of AI‑driven unemployment and falling demand on future prices■ What mean reversion looks like after years of above‑trend growthTimestamps:00:00:00 - Introduction00:00:21 - The Seven Tailwinds of the Property Boom00:01:26 - Tailwind 100:02:58 - Tailwind 200:03:30 - Tailwind 300:03:54 - Tailwind 400:04:25 - Tailwind 500:06:14 - Tailwind 600:06:46 - Tailwind 700:08:12 - The Opposite Forces: Headwinds00:09:00 - Headwind 100:10:03 - Headwind 200:10:46 - Headwind 300:11:39 - Headwind 400:12:13 - Headwind 500:13:48 - Headwind 600:14:30 - Headwind 700:15:13 - The Impact of Headwinds on Property Prices00:16:07 - The Role of AI and Unemployment00:16:49 - Potential Supply and Demand Shifts00:17:10 - Mean Reversion in Property Prices00:18:02 - Future Affordability and Market OutlookFollow 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.
• #321 - Have a House But NO Disposable Income? (Here’s Why) 01.04.2026 30分

  Already house poor or worried you might be? Grab a copy of House Poor:https://moneybuyshappinessbooks.com/housepoorbookWant to achieve financial freedom and build lasting wealth?http://moneybuyshappinessbook.comIn this new episode, Lloyd reveals why the deeply embedded societal pressure to buy a house is actually a trap for millions of people, and why the macro conditions that made property the trade of the decade are gone. He also breaks down the math behind the "yield gap" and the hidden operating costs that are keeping everyday Australians broke.This episode explores:The societal pressure and FOMO that leads to being "house poor"Why past property returns don't guarantee future successThe unrepeatable macro conditions of the last 15 yearsThe "rent rich" strategy: investing for cash flow and optionalityTimestamps:00:00:00 - Introduction: The Homeownership Trap00:00:42 - The Societal Pressure & FOMO of Buying a House00:03:16 - Why Past Property Returns Don't Guarantee the Future00:04:09 - The Unrepeatable Macro Conditions of the Last 15 Years00:04:47 - The Yield Gap Problem: Renting vs. Buying Math00:07:33 - The Hidden Cost of Lost Cash Flow00:09:48 - The 1% Rule for Property Operating Costs00:11:57 - The Opportunity Cost of Capital: Stamp Duty & Insurance00:15:20 - Global Property Corrections: Canada, New Zealand & Japan00:19:33 - The "Rent Rich" Strategy: Investing for Cash Flow & Optionality00:24:32 - The Insane Price Gap: Sydney vs. Tokyo Real Estate00:26:38 - Final Warning: Make Intelligent Financial DecisionsFollow 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.
• #320 - The US Iran War Will Make SMART Investors Insanely Rich 26.03.2026 9分

  Achieve financial freedom and build lasting wealth 👉 http://moneybuyshappinessbook.com👉https://moneybuyshappinessbooks.com/housepoorbook In this new episode, Lloyd reveals why the US–Iran war is reshaping global markets in ways most investors aren’t seeing, and why a handful of assets consistently move first when fear spikes. He also shares the surprising structure of his own portfolio and the long‑term filter he now uses to decide which companies make the cut.This episode explores:◼️ The assets that quietly rise when geopolitical risk peaks◼️ The unexpected sectors that hold up in every economic season◼️ Why Lloyd shifted to a six‑to‑eight‑company, 100‑year portfolio◼️ The positioning mistake most investors don’t realise they’re makingTimestamps:00:00:00 - Introduction00:00:11 - Current Geopolitical Context: US and Iran00:00:21 - Lloyd Ross: Investor Background and Experience00:00:32 - Positioning for Geopolitical Fears00:00:42 - Iran War Portfolio: Preparation and Strategy00:01:03 - Understanding Oil Prices and Market Signals00:01:44 - Portfolio Composition: Key Sectors and Assets00:02:37 - Long-Term Investment Philosophy00:03:28 - The 100-Year Portfolio Concept00:04:41 - Quality Over Price: Selecting Companies00:05:54 - Evaluating Long-Term Viability of Investments00:06:57 - Positioning Against Economic Risks00:08:10 - Avoiding Debt and Preparing for Uncertainty00:09:12 - Conclusion: Building a Resilient PortfolioFollow 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.
• #319 - WARNING! This Oil Shock Is Going To Destroy Australians 24.03.2026 21分

  Achieve financial freedom and build lasting wealth 👉 http://moneybuyshappinessbook.comIn this new episode, Lloyd breaks down why the global oil shock is about to hit Australia harder than any other developed nation, and why the cost of everything is about to surge. With Brent crude above $100 and the Strait of Hormuz near closed, fuel, food, freight, inflation and mortgage stress are all set to rise.This episode covers:◼️ Why this oil shock is more severe than the 1970s◼️ How rising fuel costs flow into inflation and interest rates◼️ The risks to jobs, mortgages and markets◼️ The four steps to protect yourself nowTimestamps:00:00:00 - Introduction00:01:42 - Impact on Fuel Prices and Daily Costs00:03:39 - Inflation and Interest Rates00:05:55 - Stock Market Reactions00:07:24 - Potential Rise in Unemployment00:09:31 - Comparing Current Situation to the 1970s00:10:58 - The Perfect Storm: Oil, Unemployment, and Rates00:11:59 - Actionable Steps for Financial Preparedness00:12:43 - Cost Reduction Strategies00:13:46 - Considerations for Vehicle Choices00:14:57 - Addressing Being House Poor00:16:02 - Repositioning Your Investment PortfolioFollow 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.
• #318 - The RBA Is Sending Inflation To 5% 19.03.2026 10分

  Achieve financial freedom and build lasting wealth 👉 http://moneybuyshappinessbook.comIn this new episode, Lloyd breaks down why the RBA’s latest 0.25% hike won’t cool inflation, and why it’s pushing Australia closer to 5%. With a split board, rising fuel costs and Treasury forecasting higher inflation, this move leaves households exposed to more pressure ahead.This episode breaks down:◼️ What the RBA actually decided, and why the 5-4 vote matters◼️ Why a 0.25% move keeps policy neutral while inflation accelerates◼️ How oil, spending and expectations are driving prices higher◼️ What rising rates mean for mortgages, savings and portfoliosTimestamps:00:00:00 - Introduction00:01:00 - Rate Hike Details00:02:00 - Impact on Households00:03:00 - Governor Bullock's Perspective00:04:00 - Oil Shock and Inflation00:05:00 - Consequences of the 0.25% Rate Hike00:06:00 - Suggested Actions for Homeowners00:07:00 - Investment Strategies Amid Rising Rates00:08:00 - Preparing for Higher CostsFollow 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.
• #317 - The 3 Wealth Archetypes (Don’t Get This Wrong) 12.03.2026 13分

  Achieve financial freedom and build lasting wealth 👉 http://moneybuyshappinessbook.com🔗 TAKE ACTION:Get Money Buys Happiness book: http://moneybuyshappinessbook.comIn this new episode, Lloyd explains why most people invest backwards and reveals the three wealth archetypes that determine how you actually handle risk. This episode breaks down:◼️ The Guardian, the Builder and the Hunter, and how each one responds to volatility◼️ Why mismatched risk destroys portfolios more than market crashes◼️ How to build an investment strategy that aligns with your psychology, not your egoTimestamps:00:00:00 - Introduction00:00:31 - The 3 Wealth Archetypes Explained00:03:06 - Archetype 1: The Guardian00:03:53 - Archetype 2: The Builder00:04:54 - Archetype 3: The Hunter00:07:53 - The Danger of Mismatched Risk00:09:31 - How to Build a Portfolio Aligned to Your Psychology00:10:48 - Lloyd’s Archetype Revealed00:12:26 - Conclusion: Identify Your Archetype & Build AccordinglyFollow 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.