Money Grows on Trees

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  #348 - How Far Will Australian Property Prices Fall/Collapse? (Based on History) 05.08.2026 23min

  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 Australian property prices are already slipping and what history suggests could happen next.You’ll hear:◼️ How clearance rates signal the first stage of a downturn◼️ The impact of tax changes, interest rates and borrowing capacity◼️ What global markets show about 20–40% corrections◼️ Why immigration and supply constraints may soften the fall◼️ What buyers, owners and investors should do in this cycleTimestamps:00:00:00 - Introduction00:00:24 Why property prices are already falling00:01:11 How to read market cycles and history00:02:56 Auction clearance rates collapsing00:04:45 Tax changes and investor uncertainty00:06:52 Interest rates, borrowing capacity and macro factors00:08:49 Immigration, supply constraints and price floors00:09:56 Long‑term returns: shares vs property00:12:31 Reversion to the mean explained00:13:44 Global examples of 20–40% corrections00:15:24 Early signs of Australia’s correction00:16:20 Key factors driving the downturn00:17:12 Likely correction range: 10–20% (30% possible)00:18:21 What buyers should do now00:20:28 Guidance for owners and investors00:22:39 Long‑term outlook for Australian propertyFollow 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.
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  #347 - The Best 10 Years to Build Wealth (not your 20s) 30.07.2026 18min

  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 explains why Australian data shows the biggest net‑worth jump happens between 35 and 45, and how mid‑career income, skills, capital, leverage and tax tools combine to create the ideal decade for building wealth. He also lays out a practical playbook to audit your gap, eliminate high‑cost debt and deploy capital deliberately.◼️ Why 35–45 is the wealth‑building sweet spot◼️ The five forces that amplify net worth in mid‑career◼️ How to catch up if you started late◼️ A step‑by‑step 35–45 playbook: audit, kill debt, tax levers, deploy, monetise◼️ How to protect health and earning capacity while scalingTimestamps:00:00:00 - Introduction00:00:19 Why 35–45 is the wealth decade00:00:26 Host introduction00:00:40 Episode overview00:00:50 Median net worth by age00:01:04 Net worth figures explained00:01:34 Why the biggest jump occurs at 35–4500:04:42 The five forces that amplify mid‑career wealth00:07:58 Compounding and catch‑up examples00:11:57 Book mention and resources00:14:12 The 35–45 playbook begins00:15:03 Deploy capital and auto investing00:15:41 Monetise experience and consulting00:16:10 Protect health and earning capacity00:16:46 Verdict: the best decade to build wealth 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.
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  #346 - Why Keeping OVER This Amount In Your Bank Is A Terrible Mistake 28.07.2026 10min

  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.comKeeping more than you need in a savings account is one of the most expensive mistakes in personal finance. In this episode, Lloyd breaks down why large cash balances lose value every year, the four cash traps most people fall into, and the A + B + C formula for how much money should actually stay in the bank, plus where the excess should go instead.◼️ Why your savings are shrinking◼️ The four cash traps◼️ The A + B + C cash formula◼️ How much cash you should really keep◼️ Where excess cash should be deployedTimestamps:00:00:00 - Introduction00:00:41 Why your savings are shrinking 00:01:01 Real return after tax and inflation 00:01:32 How standard accounts lose you money 00:01:49 Purchasing power decline explained 00:01:54 Why most people do even worse 00:02:17 The four cash traps 00:02:23 Trap 1, transaction account graveyard 00:02:41 Trap 2, loyalty tax 00:02:58 Trap 3, bonus condition mirage 00:03:16 Trap 4, the $250,000 cliff 00:03:44 How much cash you should actually keep 00:03:53 The A + B + C formula 00:04:00 A, emergency buffer 00:04:17 B, known costs inside 24 months 00:04:44 C, sleep‑at‑night margin 00:04:59 Quick note on Money Buys Happiness 00:05:16 Example cash calculation 00:05:40 Why excess cash is unemployed money 00:06:00 Where your buffer should live 00:06:23 Best option if you have no mortgage 00:06:37 Splitting cash across banks 00:06:51 Handling and preparing your cash 00:07:00 Where excess cash should go 00:07:12 Kill high‑interest debt 00:07:24 Use offset accounts 00:07:39 Extra contributions to super 00:07:47 Two‑fund portfolio 00:08:12 Deploy into income‑producing assets 00:08:29 How to put cash to work 00:08:56 Cash isn’t bad, it’s about deployment 00:09:01 Summary of A + B + C 00:09:18 The $250,000 guarantee reminder 00:09:26 Why too much cash is a major mistake 00:09:49 Your fix, calculate and deploy 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.
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  #345 - I’m A Millionaire Who Hates Property (Here’s Why) 22.07.2026 18min

  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.comMost Australians believe residential property is the gold standard for wealth. In this episode, Lloyd explains why his decades inside the industry, from major global developments to running a property investment business, led him to walk away from owning real estate. He breaks down the seven reasons the maths no longer stacks up, the hidden costs most people never see, and the cash‑flowing assets he chose instead that give him more freedom, liquidity and lifestyle.◼️ the seven reasons he walked away from property◼️ the hidden costs and risks most investors overlook◼️ the assets he owns instead and why they work betterTimestamps:00:00:00 - Introduction00:00:41 – My Background In Law And Development 00:01:17 – Working On Major Global Projects (Yas Island, F1, Theme Parks) 00:01:39 – Growing Up Inside The Property Industry 00:01:59 – Becoming A Licensed Agent And Running A Property Business 00:02:23 – Understanding The Property Religion In Australia 00:02:46 – Why Property Never Aligned With My Freedom Values 00:03:07 – Seeing The Good, Bad And Ugly Of Real Estate 00:03:24 – Pivoting To Shares During The GFC 00:03:47 – Choosing A Different Asset Class For Cash Flow 00:04:00 – Why I Don’t Buy Property Despite Making Money From It 00:04:22 – The Seven Reasons I Walked Away From Property 00:04:27 – Reason One: Mediocre Long‑Term Returns 00:05:12 – Why Leverage Isn’t Always Your Friend 00:06:05 – Reason Two: Hidden And Rising Costs 00:07:08 – Reason Three: Property Is Illiquid 00:08:15 – Reason Four: Total Wealth Concentration 00:08:54 – Reason Five: Property Is A Part‑Time Job 00:09:34 – Reason Six: Government Policy Risk 00:09:58 – Reason Seven: Leverage Cuts Both Ways 00:10:44 – Why This Isn’t Property Derangement Syndrome 00:11:50 – Lifestyle Matters More Than Asset Count 00:12:25 – Building A Life, Not Just A Balance Sheet 00:12:54 – What I Concede About Property Ownership 00:13:17 – Why Forced Discipline Helps Most People 00:13:40 – When Rent Money Really Is Dead Money 00:14:04 – The Real Issue: Property As A Religion 00:14:18 – Why Housing Won’t Be The Preeminent Wealth Vehicle Anymore 00:14:37 – What I Own Instead (Cash‑Flowing Assets) 00:15:12 – The Businesses And Assets That Drive My Cash Flow 00:15:59 – How My Assets Work Together Without Debt 00:16:16 – How To Build Wealth Without Property 00:16:45 – Using Rent Savings To Build Shares Or Businesses 00:17:02 – The Verdict: Why The Maths Didn’t Stack Up 00:17:10 – Property Is Fine If It Supports Your Lifestyle 00:17:24 – Wealth Is About Cash Flow And Time Freedom 00:17:41 – You Don’t Need To Follow The Property Religion 00:17:48 – Closing Thoughts And Call To Action 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.
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  #344 -Is It Still Possible To Build Wealth In Australia? 16.07.2026 18min

  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.comBuilding wealth in Australia genuinely is harder than it used to be. In this episode, Lloyd breaks down why the old pathways have tightened, the policy changes reshaping the landscape, and the four doors still open for anyone willing to adapt. He also shares the eight steps you can start this week to move forward in today’s economy.◼️ the real reasons wealth building feels harder◼️ the four doors still open to build wealth◼️ the eight steps to start moving forward this weekTimestamps:00:00:00 - Introduction00:00:22 – Inflation, Rates And Everyday Cost Pressures00:01:14 – The Deposit War And Collapsing Affordability00:01:37 – How Policy Favours Older Australians00:01:43 – Stagflation: High Inflation, Low Growth00:03:20 – The Game Hasn’t Ended, It Has Moved00:03:27 – New Wealth Opportunities Through Technology And AI00:05:57 – Young Australians Shifting To Shares And ETFs00:06:39 – The Four Doors Still Open To Build Wealth00:06:42 – Door One: Superannuation Advantages00:07:02 – Door Two: Indexing And Global Markets00:08:25 – Door Three: Building Multiple Businesses00:09:01 – Door Four: Property With New Rules00:13:52 – The Eight Steps To Start Building Wealth NowFollow 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.
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  #343 - Warning! The Australian Property Crash Is Beginning 14.07.2026 30min

  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 Australian property crash isn’t coming, it has already begun. In this episode, Lloyd breaks down the hard evidence showing the downturn is officially underway, why clearance rates have collapsed, why mortgage demand has fallen sharply, and the four triggers driving the correction. He also explains the affordability squeeze, the impact of recent budget changes, and how global housing cycles are now hitting Australia last. Whether you own, rent or are waiting to buy, this episode gives you the playbook for navigating what comes next.◼️ the data showing the correction has begun◼️ the four triggers driving falling prices◼️ how to position yourself whether you own, rent or plan to buyTimestamps:00:00:00 – Introduction00:00:41 – The Evidence the Downturn Has Begun00:02:13 – National Home Index Hits 0% Growth00:02:30 – Auction Clearance Rates Collapse00:03:12 – Mortgage Applications Down 30%00:03:34 – Why Interest Rates Triggered the Fall00:04:26 – Budget Changes and Investor Confusion00:05:06 – Sentiment Shock and SMSF Restrictions00:06:38 – The Affordability Wall00:06:46 – Global Property Cycles Turning00:07:25 – Why More Rate Rises Are Likely00:08:24 – Long‑Term Population Demand Risks00:09:52 – Correction vs Crash00:10:22 – Crash Scenario and Sentiment Risk00:11:02 – Stagflation’s Impact on Property00:11:32 – Why an Orderly Decline Is Likely00:12:06 – Fragmented Markets Across Australia00:12:39 – Immigration as the Only Buffer00:13:21 – Why Sideways Prices Are Possible00:14:35 – Five Signals to Watch00:17:15 – The Playbook for Owners00:18:23 – Stress‑Testing Your Mortgage00:19:58 – When Selling Makes Sense00:20:08 – The Playbook for Buyers00:21:01 – Why It’s a No‑Man’s‑Land Market00:21:54 – Only Buy on a 10‑Year Horizon 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.
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  #342 - BREAKING! The RBA Just Admitted We Are Entering Stagflation 08.07.2026 28min

  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 episode, Lloyd breaks down the latest RBA move and why Australia is now showing the textbook signs of stagflation. Inflation has surged to the highest level in the Western world while GDP growth has collapsed to 1.3%, creating the exact environment where every tool the RBA uses makes one half of the problem worse. He explains how this happened, why major employer groups are openly calling it a reality, and what history tells us about what comes next. Why are people talking about stagflation again, and what does it mean anyway?◼️ the data behind Australia’s inflation spike and growth collapse◼️ why stagflation is the central banker’s nightmare◼️ who gets hurt first when prices rise while the economy stallsTimestamps:00:00:00 - Introduction00:01:04 – RBA’s Latest Rate Hike and New Forecasts 00:01:36 – GDP Falls to 1.3% 00:02:11 – Australia Now Has the Highest Inflation in the Western World 00:03:20 – What Stagflation Actually Is 00:03:49 – RBA Board Members Warn of Rising Inflation and Unemployment 00:04:46 – Why Every RBA Tool Makes One Side Worse00:05:20 – Early Signs of Job Losses 00:06:46 – The RBA’s Dilemma: Raise Rates or Kill Growth 00:07:10 – What 7% Retail Rates Would Mean for Households 00:08:05 – Australia Approaching a Real Recession 00:11:42 – Eight Consecutive Quarters of Per‑Capita Recession 00:12:09 – Everyday Cost‑of‑Living Shock 00:13:40 – Budget Policies That Hurt Growth 00:14:23 – Why a Recession Is Now Highly Likely 00:15:29 – Wage Earners Losing Real Income 00:16:28 – Variable Mortgage Holders Under Pressure 00:17:10 – Negative Equity Emerging Across Major Cities 00:20:48 – Who Does Well in Stagflation 00:23:29 – Why Buffett Isn’t Selling Stocks 00:23:55 – Skills as the Ultimate Hedge 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.
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  #341 - How To Make Rational Financial Decisions (3 Step Framework) 02.07.2026 20min

  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 episode, Lloyd explains why emotions are the biggest threat to your financial future and why most people lose money not from bad investments, but from making permanent decisions in temporary emotional states. He breaks down a simple three‑step framework for rational decision‑making so you can stop delaying, stop second‑guessing and start moving towards financial freedom with clarity.◼️ the data you need before making any financial decision◼️ how to assess downside risk and avoid costly mistakes◼️ the role of intuition when logic and numbers are already clearTimestamps:00:00:00 - Introduction00:01:02 - Fear of Wrong Decisions00:01:55 - Enhancing Decision Effectiveness00:02:16 - Opportunity Cost of Inaction00:02:48 - Anxiety Around Decisions00:03:30 - Examples of Commission and Omission00:04:42 - Warren Buffett's Decisions00:05:16 - Focus on Acts of Commission00:06:12 - Step 1: Get the Data00:08:22 - Example of Data Collection00:09:15 - Rational Decision-Making00:10:40 - Step 2: Compare Options00:11:22 - Downside Protection00:13:07 - Warren Buffett's Downside Strategies00:14:10 - Real-Life Examples00:15:02 - Step 3: Trust Your Gut00:15:43 - Coin Flip Method00:16:55 - Applying the Three-Step Formula00:18:07 - Rational Decisions and Regret00:19:00 - Taking Control of Your Life 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.
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  #340 - Serious About Building Wealth In Australia Without Property? 30.06.2026 20min

  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 episode, Lloyd breaks down why property is not the only path to wealth in Australia and why sinking your entire net worth into one illiquid, debt‑heavy asset can limit freedom. He explains the alternatives that compound faster, produce real cash flow and give you control of your time, not a 30‑year repayment schedule.◼️ the property myth and why home equity rarely equals lifestyle freedom◼️ the assets that compound without debt, from shares to businesses◼️ how real wealth is built through cash flow, optionality and time freedomTimestamps:00:00:00 - Introduction00:01:00 - Understanding the Property Myth00:02:30 - The Limitations of Property as an Investment00:04:50 - The Shift Towards Shares and Other Investments00:05:50 - Maximizing Superannuation Contributions00:06:30 - Investing in Index Funds and ETFs00:08:00 - The Power of Building or Buying a Business00:09:30 - The Importance of Time Freedom in Wealth Building00:10:30 - Real-Life Examples: Laundromat vs. Property Investment00:12:00 - The Value of Network Marketing00:13:30 - Consulting as a Wealth-Building Strategy00:15:00 - The Role of Alternative Assets: Crypto and Gold00:16:30 - Generating Cash Flow for Financial Freedom00:18:00 - Final Thoughts on Wealth Building Strategies 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.
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  #339 - I’m A Millionaire. Here’s How I Built Financial Freedom. 24.06.2026 27min

  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 episode, Lloyd breaks down the real process behind building financial freedom, not luck, inheritance or crypto hype, but a repeatable strategy anyone can follow. He shares the mistakes, the turnaround story, and the disciplined approach that built a seven‑figure net worth without debt or shortcuts.◼️ how he turned early financial chaos into peace and freedom◼️ why patience, discipline and low costs beat risky leverage◼️ the simple strategy that scaled from zero to millionsTimestamps:00:00:00 - Introduction00:01:43 - Career Beginnings and Challenges00:02:24 - Moving to Abu Dhabi00:03:06 - Financial Mistakes in Abu Dhabi00:04:00 - Realizing Financial Mistakes00:04:42 - Financial Turnaround Strategy00:05:24 - Learning About Investments00:06:05 - Financial Education and CFA Program00:07:07 - Repatriating to Australia00:07:49 - Building Financial Independence00:08:49 - Increasing Income and Real Estate00:09:55 - Investing in Shares00:10:55 - Network Marketing Opportunity00:12:00 - Side Hustles and Additional Income00:13:54 - Achieving Financial Freedom00:15:00 - Leaving Traditional Office Work00:16:14 - Diversifying Income Streams00:18:00 - Business Ventures and Investments00:19:04 - Strategy for Financial Independence00:20:51 - Long-Term Strategy and Patience00:22:04 - Optimizing for Adventure and Living00:23:08 - Balancing Financial Goals and Life 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.
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  #338 - Should Gen Z Buy Property In Australia? 18.06.2026 19min

  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 episode, I break down why buying property might be the worst financial move Gen Z could make right now. The numbers, the cycle and the macro forces shaping the market all point in one direction, and it is not the one young buyers are being told to follow.◼️ Why the four engines behind the last 40 years of property growth have reversed◼️ How affordability, interest rates and immigration pressure are reshaping the market◼️ What Gen Z should focus on instead to build real wealthTimestamps:00:00:00 - Introduction: The Budget Changed Everything00:00:31 - The Dream vs. Reality: Property Affordability Today00:01:25 - Affordability Crisis: Only 14% Can Buy a Median Home00:02:31 - Historical Tailwinds: What Drove Property Prices Up00:03:14 - Market Correction: Sydney and Melbourne Falling00:04:06 - Rising Interest Rates and Inflation00:05:30 - The Case Against High Immigration00:06:15 - International Examples: New Zealand and Canada00:07:19 - Global Real Estate Trends: Falling Prices00:08:01 - The Risks of Buying Property with Low Deposits00:08:53 - The Pressure to Get on the Property Ladder00:09:45 - The Importance of Skills and Income for Gen Z00:10:06 - The Flaws in Property Investment Logic00:10:58 - The Flexibility of Shares vs. Real Estate00:12:00 - The Structural Undersupply in Copper00:12:42 - Why Gen Z Should Avoid Buying Property00:13:37 - The Opportunity Cost of Buying Property00:14:09 - The Benefits of Investing in Business00:15:02 - Renting vs. Buying: A Personal Perspective00:16:04 - When It Might Make Sense to Buy Property00:17:08 - Optimizing Life for Happiness vs. Property Ownership00:18:00 - Conclusion: Gen Z and the Future of Wealth Building 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.
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  #337 - Mindset and Money Pressure Explained 16.06.2026 15min

  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 episode, Lloyd reacts to reels that capture the frustration and confusion people feel in today’s economy. Some are funny, some are serious, but all reveal the mechanics behind the pressure you face.◼️ How bracket creep and new taxes keep squeezing harder◼️ Why government spending and debt drive everyday costs◼️ Why mindset and structure matter more than headlinesTimestamps:00:00:00 - Introduction: The Budget Changed Everything00:00:37 - Government Decision Reactions00:01:00 - Intergenerational Inequity and Budget Criticism00:01:46 - Warren Buffett's Incentive Proposal00:02:19 - Political Incentives and Systemic Issues00:02:32 - Misconceptions About Taxing the Rich00:03:04 - Wealth Creation and Economic Growth00:03:56 - Consequences of High Taxation on Wealthy Individuals00:04:14 - Passenger Movement Charge Increase00:04:43 - Criticism of Government's Taxation Policies00:05:35 - The Laffer Curve and Over-Taxation00:06:16 - Negative Gearing and Investment Strategies00:08:16 - Satirical Budget Speech00:09:04 - Budget's Impact on Housing Market and Small Businesses00:10:07 - Government Spending Critique00:11:00 - Allegations of Political Corruption00:11:52 - Incompetence in Political Leadership00:12:45 - Immigration and Housing Market Solutions00:14:08 - Call for Pro-Growth Policies 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.
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  #336 - How The Budget Impacts Every Asset Class (Long-term view) 09.06.2026 22min

  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.
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  #335 - Can You Really Thrive in Today’s Economy? 04.06.2026 12min

  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.
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  #334 - The Last Time the Stock Market Did This, It Took 14 Years to Recover 02.06.2026 14min

  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.
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  #333 - Why 2 Incomes Made the Middle Class Poorer 27.05.2026 17min

  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.
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  #332 - 10 Things That Are No Longer Worth Your Money 21.05.2026 27min

  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.
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  #331 - Is It Negligent To Buy Property? 19.05.2026 30min

  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.
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  #330 - Breaking: Australian Property Is Officially Collapsing 13.05.2026 21min

  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.
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  #329- The System Is Designed To Keep Australian’s Poor 07.05.2026 15min

  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.