Money Grows on Trees

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  #357 - Property Vs Stocks In Australia (Which wins) 16.09.2026 14мин

  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.comRates are already near 7% for many borrowers, and with core inflation stuck at 3.6%, the RBA may have no choice but to push higher. In this episode, Lloyd breaks down the numbers behind rising mortgage rates, why inflation refuses to fall, and how Australia’s trillion‑dollar debt is making the problem worse.◼️ Why inflation is stuck ◼️ How rates could reach 7% ◼️ Australia’s trillion‑dollar debt problem ◼️ How to prepare your finances nowTimestamps:00:00:00 - Introduction00:01:40 - Net yield and costs 00:02:37 - Franking credits overview 00:03:54 - US shares outperform 00:04:36 - Shares vs property over 30 years 00:05:19 - Where property wins: leverage 00:06:26 - Why leverage only works in rising markets 00:07:27 - Where shares win: lower costs 00:08:10 - Diversification advantage 00:09:51 - Tax changes and negative gearing 00:10:45 - Shares inside superannuation 00:11:19 - Future uncertainty in super rules 00:12:17 - Why shares align with his lifestyle 00:13:23 - Scaling money without scaling problems 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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  #356 - RBA Warns Aussies Could Be Hit With 7% Interest Rates (Prepare Now) 10.09.2026 12мин

  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.comRates are already near 7% for many borrowers, and with core inflation stuck at 3.6%, the RBA may have no choice but to push higher. In this episode, Lloyd breaks down the numbers behind rising mortgage rates, why inflation refuses to fall, and how Australia’s trillion‑dollar debt is making the problem worse.◼️ Why inflation is stuck ◼️ How rates could reach 7% ◼️ Australia’s trillion‑dollar debt problem ◼️ How to prepare your finances nowTimestamps:00:00:00 - Introduction00:00:32 - Chain of Events Leading to 7% Mortgage Rates00:01:04 - Recent Rate Hikes and Expectations00:01:24 - Impact of Inflation on Interest Rates00:01:56 - Core Inflation and Oil Prices00:02:28 - Borrowers' Current Mortgage Rates00:03:10 - Impact of Rate Hikes on Borrowers00:03:54 - Five Fires Causing Australian Inflation00:05:30 - Government Spending and Stagflation00:06:46 - Comparison with Other Economies00:07:29 - Australia's Growing National Debt00:08:33 - Government Policies and Inflation00:09:04 - Practical Steps to Manage Finances00:10:07 - Preparing for Future Rate Rises00:11:09 - Advice for Savers and Homeowners 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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  #355 - Major Banks Are About To Crush Australians... Move Your Money Now! 08.09.2026 15мин

  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 Australia’s major banks are suddenly cutting rates, stretching loan terms, and offering 5% deposits, not out of generosity, but desperation. Mortgage applications have collapsed, lending margins are shrinking, and banks are quietly shifting risk onto borrowers.◼️ Why mortgage applications are collapsing ◼️ The hidden traps in new loan offers ◼️ How banks protect themselves while borrowers suffer ◼️ Smart moves to protect your money nowTimestamps:00:00:00 - Introduction00:01:12 - NAB applications down 15% 00:02:13 - Early signs of a housing correction 00:02:35 - Why borrowing capacity has collapsed 00:03:17 - Retail rate cuts and margin compression 00:04:18 - 40‑year mortgages introduced 00:05:04 - Leverage risk and equity wipe‑outs 00:06:41 - Trap 1, 40‑year loan maths 00:07:03 - Trap 2, 15‑year interest‑only 00:07:22 - Trap 3, 5% deposit equity risk 00:08:52 - Negative equity and real borrower examples 00:09:57 - LMI costs and sunk expenses 00:10:15 - Australia’s $2.6T mortgage debt 00:11:07 - Existing customers paying higher rates 00:12:20 - How to find your real rate 00:12:39 - Avoiding stretch‑loan products 00:13:24 - Running investment deals on P&I 00:14:10 - Banks in your superannuation 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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  #354 - Australian Property Prices Have Fallen 4 Months In a Row (The Crash Is Here) 02.09.2026 17мин

  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 have now fallen four months straight, what’s driving the correction, and whether this is just a dip or the start of something deeper. With rate hikes, tax changes, and investor confidence shaken, the crash case is real, but so is the counter‑argument for recovery.◼️ Why the correction is accelerating ◼️ How rate hikes and tax changes hit investors ◼️ The bear case vs the recovery case ◼️ What owners, renters and buyers should do nowTimestamps:00:00:00 - Introduction00:00:31 - The Reality of the Correction00:00:52 - Monthly Price Declines00:01:14 - Spread of the Decline Across Cities00:01:45 - Auction Clearance Rates and Sales Data00:02:06 - Impact of Rate Hikes and Tax Changes00:02:26 - Borrowing Capacity Example00:02:59 - Serviceability and Negative Gearing00:03:41 - Capital Gains Tax Changes00:04:02 - Discretionary Trusts and Market Confidence00:04:12 - Bear Market Argument00:04:24 - Historical Recovery Engines00:04:45 - Rent Bomb and NAB Forecast00:05:38 - International Comparisons00:05:49 - Bank Forecasts and Price Predictions00:06:21 - Inflation and Rate Cut Challenges00:07:03 - Stagflation and Government Decisions00:07:24 - Expected Price Falls00:07:34 - Bull Market Argument00:07:45 - Housing Shortage00:08:07 - Migration and Demand00:08:49 - Cash Buyers and Market Floor00:09:10 - Grandfathering and Supply Lockup00:09:41 - Rent Math and Vacancy Rates00:10:01 - Personal Experience with Rental Crisis00:10:44 - Creative Solutions for Renters00:11:05 - Cost of Buying vs. Renting00:11:26 - ANZ Recovery Predictions00:12:07 - Correction vs. Bear Market vs. Crash00:12:49 - Long-term Market Outlook00:13:11 - Buying to Live vs. Flipping00:13:43 - Rent Increase Strategies00:14:25 - Alternative Investments00:14:46 - Holding Property Investments00:15:17 - Sensible Buying Decisions00:15:58 - Navigating the Next 12 Months 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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  #353 - The 10 Ways People Go Broke Investing In Shares 27.08.2026 21мин

  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 the 10 mistakes that cause almost every share‑market loss, all completely avoidable once you understand how real investing works. From speculation and leverage to short time horizons and panic selling, this episode shows you exactly what destroys wealth and what to do instead.◼️ The fundamentals most investors never learn ◼️ Why speculation, leverage and trading wipe people out ◼️ The danger of stock tips and chasing “cheap” companies ◼️ How panic selling locks in losses and kills long‑term returnsTimestamps:00:00:00 - Introduction00:00:41 - Mistake #1 00:02:06 - Mistake #2 00:03:10 - Mistake #3 00:05:45 - Mistake #4 00:08:43 - Mistake #5 00:10:51 - Mistake #6 00:12:28 - Mistake #7 00:14:01 - Mistake #8 00:18:15 - Mistake #9 00:19:49 - Mistake #10 00:20:52 - Conclusion: Avoiding the 10 Mistakes to Succeed in Investing 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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  #352 - How Much Do Australians Need Invested To Live Off Dividends? 24.08.2026 17мин

  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 how close Australians actually are to living off dividends, and why understanding yields, franking credits, and the simple freedom‑number formula makes passive income far more achievable than most people realise.◼️ What dividends really are ◼️ How franking credits boost income ◼️ Dividend ETFs and sustainable yields ◼️ The exact formula to calculate your freedom numberTimestamps:00:00:00 - Introduction00:00:19 - Australia’s franking credit advantage 00:00:32 - What dividends actually are 00:02:00 - Dividends vs buybacks (AU vs US) 00:03:03 - Using dividend‑paying ETFs 00:04:07 - Lloyd’s first dividend experience 00:05:35 - Calculating passive income from yields 00:06:36 - Why Australian companies pay higher dividends 00:08:17 - How franking credits reduce tax 00:10:18 - The formula to find your freedom number 00:11:30 - ETF yields and sustainability 00:12:22 - Example: $900K invested for $50K income 00:13:06 - Shares vs term deposits vs property 00:14:15 - Market risk and long‑term patience 00:14:53 - Dividend frequency and cash flow 00:15:27 - Why dividends can be a retirement plan 00:16:26 - Key behaviour risks to avoid 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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  #351 - Full Shares Masterclass, Wasn’t Meant For The Public 20.08.2026 52мин

  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 how shares actually work and why understanding them as real ownership, not numbers on a screen, changes everything about building wealth. This masterclass goes deep into how great companies operate, how shares are created, and the exact principles he uses to build a portfolio that compounds for decades.◼️ How shares are created and why IPOs are usually overpriced◼️ What makes a genuinely high quality business worth owning◼️ Circle of competence, and why most people should avoid 95 percent of stocks◼️ The rules Lloyd uses to research, select, and hold individual companies long termTimestamps:00:00:00 - Introduction00:01:02 - Private companies and how ownership works00:02:45 - Debt vs equity, how companies fund growth00:04:03 - IPOs explained00:04:48 - Why IPOs are usually overpriced00:07:10 - Why people invest in shares00:10:02 - The real purpose of investing00:12:27 - Compound interest and long‑term compounding00:13:45 - Circle of competence00:17:07 - Warren Buffett’s circle of competence00:19:25 - How Lloyd researches companies00:22:33 - What makes a quality business00:25:06 - Monopolies and durable competitive advantage00:31:12 - Diversification vs concentration00:33:48 - Index funds and when they make sense00:47:28 - Building a portfolio that compounds 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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  #350 - Is The Stock Market Collapsing?! 17.08.2026 21мин

  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.comEveryone’s panicking about the stock market right now, but most people are panicking for the wrong reasons. In this episode, I break down what’s actually happening beneath the headlines, why the fear is misplaced, and what smart investors are doing while everyone else reacts emotionally.◼️ Why headlines don’t reflect real market conditions◼️ The companies still pumping strong earnings◼️ What Warren Buffett’s moves really signal◼️ The smart way to invest when uncertainty is highTimestamps:00:00:00 - Introduction00:00:52 - Is the Stock Market Collapsing?00:01:12 - Market Uncertainty and Human Emotion00:01:54 - High Valuations and AI Boom00:02:26 - Jeremy Grantham's Bearish View00:03:08 - Warren Buffett's Investment Strategy00:03:39 - Real Estate Market Analogy00:04:11 - S&P 500 Performance00:04:52 - Earnings Reports of Top Companies00:05:03 - Price-to-Earnings Multiples Explained00:05:48 - American Express Valuation00:06:41 - Google's Earnings Growth00:07:35 - Warren Buffett's Investment in Google00:08:38 - Moody's Earnings Growth00:08:59 - Oil Companies' Performance00:09:30 - Visa and Coca-Cola Earnings00:10:02 - Stock Market Valuations00:10:46 - American Economy Performance00:11:28 - Potential Market Collapse Signals00:12:10 - Warren Buffett's Cash Allocation00:13:14 - Risk Factors: Oil and War00:14:06 - Unforeseen Risks and Market Collapses00:17:28 - AI and Market Predictions00:18:09 - S&P 500 Future Returns00:19:03 - Dollar Cost Averaging Strategy00:19:52 - Following Value Investors00:20:23 - Unbiased Financial Education 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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  #349 - Watch Me Live Eliminate Thousands In Debt 11.08.2026 18мин

  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 a real financial snapshot live and shows exactly how to eliminate debt using a clear, strategic order. You’ll see how a few smart moves can save tens of thousands in interest and completely change someone’s financial position.◼️ How to analyse your net worth and income statement◼️ The fastest way to identify financial red flags◼️ Why high‑interest debt traps you and how to escape it◼️ How to use side income to accelerate debt elimination◼️ The exact step‑by‑step process applied to a real caseTimestamps:00:00:00 - Introduction00:00:31 - Real-Life Example Walkthrough00:00:42 - Visual Aid and YouTube Channel Plug00:01:03 - Understanding Net Worth and Income Statements00:01:45 - Real-Life Financial Snapshot Overview00:02:07 - Assets Breakdown00:03:00 - Liabilities Breakdown00:04:08 - Credit Card Debt Analysis00:05:07 - Net Worth Calculation00:05:17 - Impact of High Credit Card Debt00:06:01 - Income Statement Analysis00:07:07 - Interest Payments and Living Paycheck to Paycheck00:08:10 - Behavioral Patterns Leading to Debt00:09:07 - Initial Steps to Fix Financial Crisis00:09:29 - Refinancing Home Equity00:10:16 - Cutting Up Credit Cards00:10:55 - Refinancing Impact on Mortgage00:11:16 - Asking for a Pay Rise00:11:41 - Starting a Side Hustle00:12:24 - Cutting Expenses and No Holidays00:12:45 - Grocery Shopping Tips00:13:55 - Car Insurance and Petrol Savings00:14:50 - Behavior Change and Incremental Savings00:15:22 - Maintaining Financial Stability00:16:05 - Importance of Tracking Assets and Liabilities00:17:07 - Building a Wealth Loop00:17:28 - Importance of Financial Data for Decision Making00:18:00 - Conclusion and Encouragement to Track NumbersFollow 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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  #348 - How Far Will Australian Property Prices Fall/Collapse? (Based on History) 05.08.2026 23мин

  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 18мин

  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 10мин

  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 18мин

  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 18мин

  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 30мин

  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 28мин

  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 20мин

  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 20мин

  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 27мин

  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 19мин

  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.