Money Grows on Trees

Lloyd J Ross
  • 5.0 (42)
  • INVESTING
  • UPDATED WEEKLY

Welcome to Money Grows On Trees – your go-to podcast for wealth-building, smart investing, and financial freedom. Hosted by Lloyd James Ross, a millionaire investor and financial educator, this podcast is your go-to source for everything related to money management, passive income, multiple income streams, and breaking free from financial struggle. Learn how to build multiple income streams, avoid costly mistakes, and develop a millionaire mindset. Whether you’re a business owner, investor, or just serious about wealth, this podcast gives you real-world strategies to grow your money. Join our community of entrepreneurs, investors, and ambitious individuals as we navigate the path to financial independence. Follow now on Apple Podcasts, Spotify, and YouTube to start your journey to financial freedom!

  1. 3 DAYS AGO

    #329- The System Is Designed To Keep Australian’s Poor

    Already house poor or worried you might be? Grab a copy of House Poor: https://moneybuyshappinessbooks.com/housepoorbook Want 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 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 year Timestamps: 00:00:00 - Introduction 00:01:14 - Cultural and Educational Gaps 00:02:09 - Personal Anecdote: Mr. Barber's Advice 00:03:00 - The Need for Financial Literacy in Schools 00:03:32 - Progressive Tax System: Punishing Work 00:03:54 - Capital Gains Tax Discount 00:04:16 - Rewarding Wealth Over Work 00:04:29 - Example: Argentina's Economic Reforms 00:05:04 - Incentives for Business Owners 00:05:25 - Government Bureaucracy and Greed 00:05:47 - Banking System: Lifelong Debt 00:06:30 - Book Promotion: Money Buys Happiness 00:07:02 - Superannuation: Fees and Underperformance 00:07:24 - Super Funds: Stealing Through Fees 00:08:39 - Effective Tax Models from Other Countries 00:08:59 - Media's Role in Property Market 00:09:31 - Financial Advisors: Incentives and Conflicts 00:10:02 - Personal Experience with Financial Advisors 00:11:04 - Buy Now, Pay Later: Debt Addiction 00:11:47 - First Home Buyer Schemes: Debt Servitude 00:13:43 - Taking Control of Your Financial Education 00:14:25 - Different Inputs for Different Outcomes Follow Lloyd: https://www.instagram.com/lloydjamesross/?hl=en https://www.linkedin.com/in/lloyd-j-ross-26b7859/ https://www.facebook.com/lloyd.ross.7 https://www.tiktok.com/@lloydjross https://x.com/lloydjamesross DISCLAIMER This 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.

    15 min

  2. 5 DAYS AGO

    #328 - The 10 Dumbest Things I’ve Seen People Do With Money

    Already house poor or worried you might be? Grab a copy of House Poor: https://moneybuyshappinessbooks.com/housepoorbook Want to achieve financial freedom and build lasting wealth? Get the strategies you need—grab your copy of Money Buys Happiness today: http://moneybuyshappinessbook.com Most people do not lose wealth from market crashes, they lose it from everyday decisions that quietly compound against them. In this episode, Lloyd breaks down the ten money mistakes he sees most often, the ones that feel harmless in the moment but cost people years of progress. ◼️ How lifestyle creep drains every pay rise without people noticing ◼️ Why new car debt and home equity spending quietly destroy wealth ◼️ The panic selling pattern that wipes out compounding ◼️ The hidden fees, bad advice and misunderstood investments that erode returns ◼️ Why high net worth does not equal real wealth if there is no cashflow Timestamps: 00:00:00 - Introduction 00:00:41 - Lifestyle Inflation: The Silent Wealth Killer 00:01:22 - Buying a Brand New Car with Debt 00:03:06 - Using Home Equity Like an ATM 00:04:08 - Panic Selling During Downturns 00:05:01 - Using SMSF to Buy Lifestyle Assets 00:05:21 - Investing in Things You Don't Understand 00:06:03 - Paying High Fees to Financial Advisors 00:08:00 - Keeping Savings in Low-Interest Accounts 00:09:16 - Going Guarantor on Someone Else's Loan 00:10:19 - Confusing Net Worth with Wealth 00:12:25 - Conclusion: Avoiding Financial Mistakes Follow Lloyd: https://www.instagram.com/lloydjamesross/?hl=en https://www.linkedin.com/in/lloyd-j-ross-26b7859/ https://www.facebook.com/lloyd.ross.7 https://www.tiktok.com/@lloydjross https://x.com/lloydjamesross DISCLAIMER This 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.

    13 min

  3. 29 APR

    #327 - The Hack To Retire at 55

    Already house poor or worried you might be? Grab a copy of House Poor: https://moneybuyshappinessbooks.com/housepoorbook Want to achieve financial freedom and build lasting wealth? Get the strategies you need—grab your copy of Money Buys Happiness today: http://moneybuyshappinessbook.com Most Australians retire at 67 with barely enough super to last a decade. But a small group retires at 55 with income‑producing assets that pay them for life. In this episode, I break down why super alone can’t get you out early, the three assets that actually move the needle, and the mindset shift that separates people who retire at 55 from those who work until 70. ◼️ Why super is too slow and too restricted to rely on ◼️ The three assets that build income before preservation age ◼️ The real reason most people never reach their retirement target ◼️ The shift from “retire early” to “work on your terms” that changes everything Timestamps: 00:00:00 - Introduction 00:01:41 - The Problem with Superannuation 00:02:56 - Three Essential Assets for Early Retirement 00:03:41 - Building a Share Portfolio 00:04:54 - The Importance of Business for Income 00:06:08 - Personal Example: Grandparents' Business Success 00:07:43 - The Role of Property Investment 00:10:03 - The Reality of Retirement Expectations 00:12:11 - Rethinking Retirement 00:13:29 - Creating a Purposeful Work Life Follow Lloyd: https://www.instagram.com/lloydjamesross/?hl=en https://www.linkedin.com/in/lloyd-j-ross-26b7859/ https://www.facebook.com/lloyd.ross.7 https://www.tiktok.com/@lloydjross https://x.com/lloydjamesross DISCLAIMER This 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.

    16 min

  4. 23 APR

    #326 - I'm a Multi-Millionaire and I Rent

    Already house poor or worried you might be? Grab a copy of House Poor: https://moneybuyshappinessbooks.com/housepoorbook Want to achieve financial freedom and build lasting wealth? Get the strategies you need—grab your copy of Money Buys Happiness today: http://moneybuyshappinessbook.com In this episode, Lloyd breaks down why so many Aussies feel “house rich, cash poor”, how the cultural pressure to buy distorts real decision‑making, and what the true cost of ownership looks like when you strip away the narrative. ◼️ The cultural obsession that keeps Australians locked into mortgages ◼️ Why high asset value doesn’t equal freedom or cashflow ◼️ The real cost of ownership most people never calculate ◼️ The opportunity cost that quietly destroys long‑term wealth Timestamps: 00:00:00 - Introduction 00:02:08 - The Conflict of Interest in Property 00:03:11 - The Reality of Being House Poor 00:05:01 - The Social Pressure of Home Ownership 00:06:04 - Historical Property Market Trends 00:07:22 - The Impact of Cheap Credit 00:08:45 - Understanding the True Cost of Home Ownership 00:10:12 - Operating Costs of Property 00:12:27 - Opportunity Cost of Home Ownership 00:13:48 - The Case for Rent Vesting 00:15:28 - Intelligent Capital Deployment 00:17:58 - The Risks of Concentration in Real Estate 00:19:12 - The Importance of Financial Flexibility 00:21:11 - Buying from the Spreadsheet, Not Shame 00:22:15 - The Dangers of Illiquid Assets Follow Lloyd: https://www.instagram.com/lloydjamesross/?hl=en https://www.linkedin.com/in/lloyd-j-ross-26b7859/ https://www.facebook.com/lloyd.ross.7 https://www.tiktok.com/@lloydjross https://x.com/lloydjamesross DISCLAIMER This 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.

    23 min

  5. 21 APR

    #325 - The Last Time Property Did This, It took 70 Years to Recover

    Already house poor or worried you might be? Grab a copy of House Poor: https://moneybuyshappinessbooks.com/housepoorbook Want 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 last time Australia saw a property boom like this, it ended in a 50% crash, and the recovery took 70 years. Most Aussies think property “always goes up”, but history tells a very different story. In this episode, Lloyd breaks down the 1890s crash, why the same conditions are forming again, and what it means for your money today. ◼️ Why the 1890s property boom collapsed and wiped out 50% of values ◼️ The parallels between that crash and today’s interest rates, credit and confidence ◼️ How macro shocks (oil, AI, unemployment) can trigger a downturn ◼️ Why overpriced, non‑productive property can stagnate for decades Timestamps: 00:00:00 - Introduction 00:01:00 - Historical Context: The Boom in Melbourne (1870-1888) 00:02:30 - The Detachment from Reality: Property Prices Skyrocket 00:04:00 - Triggers of the 1890s Crash: Capital Withdrawal and Rising Interest Rates 00:06:00 - The Collapse of Confidence and Its Consequences 00:07:30 - Comparisons to Current Market Conditions 00:09:00 - The Impact of External Factors on the Economy 00:10:30 - Lessons from the 1890 Crash: Long Recovery Period 00:12:00 - Potential Future Scenarios for the Property Market 00:13:30 - The Role of Credit and Employment in Property Markets 00:15:00 - Final Thoughts: Caution in Real Estate Investment Follow Lloyd: https://www.instagram.com/lloydjamesross/?hl=en https://www.linkedin.com/in/lloyd-j-ross-26b7859/ https://www.facebook.com/lloyd.ross.7 https://www.tiktok.com/@lloydjross https://x.com/lloydjamesross DISCLAIMER This 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.

    17 min

  6. 15 APR

    #324 - Is SpaceX An Opportunity For The Average Aussie?

    Already house poor or worried you might be? Grab a copy of House Poor: https://moneybuyshappinessbooks.com/housepoorbook Want to achieve financial freedom and build lasting wealth? Get the strategies you need—grab your copy of Money Buys Happiness today: http://moneybuyshappinessbook.com SpaceX looks like the investment opportunity of a generation, but most people don’t understand how the IPO works or what they’re actually buying. In this episode, Lloyd breaks down the numbers behind SpaceX, the realities of IPO investing, and why excitement about rockets and Mars missions doesn’t automatically translate into a good return for everyday Australians. This episode explores: ■ SpaceX IPO mechanics and what an IPO really is ■ Why industrial revolutions create bubbles rather than guaranteed profits ■ How past innovations like railroads, airlines and dot‑coms wiped out investors ■ SpaceX revenue vs valuation and what a $1.5–$2 trillion price implies ■ Why proven businesses like Meta offer a clearer investment case than speculative IPOs Timestamps: 00:00:00 - Introduction 00:01:02 - The Impact of SpaceX on Civilization 00:02:50 - Cost Reduction in Space Travel 00:04:58 - Investment Considerations 00:06:44 - Historical Context of Industrial Revolutions 00:08:09 - Understanding SpaceX's Business Model 00:10:36 - Valuation and Revenue Analysis 00:12:01 - Market Expectations and Risks 00:13:47 - Comparing SpaceX to Meta 00:16:29 - Investment Strategy Insights 00:19:20 - Final Thoughts on SpaceX IPO Follow Lloyd: https://www.instagram.com/lloydjamesross/?hl=en https://www.linkedin.com/in/lloyd-j-ross-26b7859/ https://www.facebook.com/lloyd.ross.7 https://www.tiktok.com/@lloydjross https://x.com/lloydjamesross DISCLAIMER This 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.

    27 min

  7. 9 APR

    #323 - Why THIS Is Worthless

    Already house poor or worried you might be? Grab a copy of House Poor: https://moneybuyshappinessbooks.com/housepoorbook Want 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 $100 note in your wallet is worth less today than it was yesterday, not because of normal inflation, but because the modern monetary system is designed to erode your purchasing power over time. In this new episode, Lloyd explains how fiat currency actually works, why governments deliberately debase money, and what that means for everyday Australians. This episode explores: ■ How fiat currency was created and why it replaced the gold standard ■ Why controlled inflation works, and why deflation destroys economies ■ The four ways governments intentionally debase currency ■ Why wage growth has not kept up with inflation in recent years ■ How political decisions, spending blowouts and bureaucracy accelerate currency decline Timestamps: 00:00:00 - Introduction 00:00:42 - Understanding Fiat Currency 00:01:03 - The Gold Standard: A Historical Perspective 00:01:35 - The Great Depression and World War II Impact 00:02:07 - The Nixon Shock: End of the Gold Standard 00:02:29 - What is Fiat Money? 00:03:00 - Trust and Belief in Currency 00:05:07 - Historical Case: Napoleonic Wars and Deflation 00:06:10 - Returning to the Gold Standard: Consequences 00:07:05 - Controlled Inflation: The 2% Model 00:09:01 - Government's Role in Currency Debasement 00:09:33 - Quantitative Easing: Printing More Money 00:14:54 - Impact on Productivity and Economy 00:15:26 - How Currency Debasement Affects You 00:17:00 - The Role of Government Policies 00:18:03 - The Future of Currency Debasement 00:19:06 - Investing in Gold vs. Businesses 00:20:01 - Importance of Voting for Economic Policies 00:20:33 - Conclusion: Leadership and Currency Management Follow Lloyd: https://www.instagram.com/lloydjamesross/?hl=en https://www.linkedin.com/in/lloyd-j-ross-26b7859/ https://www.facebook.com/lloyd.ross.7 https://www.tiktok.com/@lloydjross https://x.com/lloydjamesross DISCLAIMER This 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.

    22 min

  8. 7 APR

    #322 - Is the Australian Property Market Collapsing!?

    Already house poor or worried you might be? Grab a copy of House Poor: https://moneybuyshappinessbooks.com/housepoorbook Want to achieve financial freedom and build lasting wealth? Get the strategies you need—grab your copy of Money Buys Happiness today: http://moneybuyshappinessbook.com In this new episode, Lloyd breaks down why the Australian property boom was driven by seven powerful tailwinds, and why every one of them is now weakening or reversing. He explains how rising rates, political pressure, shifting immigration policy and new economic headwinds are reshaping the next decade, and why the conditions that made property a guaranteed win can’t be repeated. This episode explores: ■ The 7 tailwinds that drove 30 years of growth, and why they can’t repeat ■ How rising rates, inflation and oil shocks reverse the biggest force behind the boom ■ Why mass immigration, tax policy and government schemes are shifting into headwinds ■ The impact of AI‑driven unemployment and falling demand on future prices ■ What mean reversion looks like after years of above‑trend growth Timestamps: 00:00:00 - Introduction 00:00:21 - The Seven Tailwinds of the Property Boom 00:01:26 - Tailwind 1 00:02:58 - Tailwind 2 00:03:30 - Tailwind 3 00:03:54 - Tailwind 4 00:04:25 - Tailwind 5 00:06:14 - Tailwind 6 00:06:46 - Tailwind 7 00:08:12 - The Opposite Forces: Headwinds 00:09:00 - Headwind 1 00:10:03 - Headwind 2 00:10:46 - Headwind 3 00:11:39 - Headwind 4 00:12:13 - Headwind 5 00:13:48 - Headwind 6 00:14:30 - Headwind 7 00:15:13 - The Impact of Headwinds on Property Prices 00:16:07 - The Role of AI and Unemployment 00:16:49 - Potential Supply and Demand Shifts 00:17:10 - Mean Reversion in Property Prices 00:18:02 - Future Affordability and Market Outlook Follow Lloyd: https://www.instagram.com/lloydjamesross/?hl=en https://www.linkedin.com/in/lloyd-j-ross-26b7859/ https://www.facebook.com/lloyd.ross.7 https://www.tiktok.com/@lloydjross https://x.com/lloydjamesross DISCLAIMER This 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.

    21 min
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5
out of 5
42 Ratings

About

Welcome to Money Grows On Trees – your go-to podcast for wealth-building, smart investing, and financial freedom. Hosted by Lloyd James Ross, a millionaire investor and financial educator, this podcast is your go-to source for everything related to money management, passive income, multiple income streams, and breaking free from financial struggle. Learn how to build multiple income streams, avoid costly mistakes, and develop a millionaire mindset. Whether you’re a business owner, investor, or just serious about wealth, this podcast gives you real-world strategies to grow your money. Join our community of entrepreneurs, investors, and ambitious individuals as we navigate the path to financial independence. Follow now on Apple Podcasts, Spotify, and YouTube to start your journey to financial freedom!

Information

  • Creator
    Lloyd J Ross
  • Years Active
    2021 - 2026
  • Episodes
    337
  • Rating
    Clean
  • Copyright
    © Lloyd J Ross
  • Show Website
    Money Grows on Trees

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