Money Grows on Trees

Lloyd J Ross
  • 5.0 (44)
  • 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

    #353 - The 10 Ways People Go Broke Investing In Shares

    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 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 returns Timestamps: 00:00:00 - Introduction 00:00:41 - 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=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.

  2. 6 days ago

    #352 - How Much Do Australians Need Invested To Live Off Dividends?

    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 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 number Timestamps: 00:00:00 - Introduction 00:00:19 - 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=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.

  3. 20 Aug

    #351 - Full Shares Masterclass, Wasn’t Meant For The Public

    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 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 term Timestamps: 00:00:00 - Introduction 00:01:02 - Private companies and how ownership works 00:02:45 - Debt vs equity, how companies fund growth 00:04:03 - IPOs explained 00:04:48 - Why IPOs are usually overpriced 00:07:10 - Why people invest in shares 00:10:02 - The real purpose of investing 00:12:27 - Compound interest and long‑term compounding 00:13:45 - Circle of competence 00:17:07 - Warren Buffett’s circle of competence 00:19:25 - How Lloyd researches companies 00:22:33 - What makes a quality business 00:25:06 - Monopolies and durable competitive advantage 00:31:12 - Diversification vs concentration 00:33:48 - Index funds and when they make sense 00:47:28 - Building a portfolio that compounds 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.

  4. 17 Aug

    #350 - Is The Stock 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 Everyone’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 high Timestamps: 00:00:00 - Introduction 00:00:52 - Is the Stock Market Collapsing? 00:01:12 - Market Uncertainty and Human Emotion 00:01:54 - High Valuations and AI Boom 00:02:26 - Jeremy Grantham's Bearish View 00:03:08 - Warren Buffett's Investment Strategy 00:03:39 - Real Estate Market Analogy 00:04:11 - S&P 500 Performance 00:04:52 - Earnings Reports of Top Companies 00:05:03 - Price-to-Earnings Multiples Explained 00:05:48 - American Express Valuation 00:06:41 - Google's Earnings Growth 00:07:35 - Warren Buffett's Investment in Google 00:08:38 - Moody's Earnings Growth 00:08:59 - Oil Companies' Performance 00:09:30 - Visa and Coca-Cola Earnings 00:10:02 - Stock Market Valuations 00:10:46 - American Economy Performance 00:11:28 - Potential Market Collapse Signals 00:12:10 - Warren Buffett's Cash Allocation 00:13:14 - Risk Factors: Oil and War 00:14:06 - Unforeseen Risks and Market Collapses 00:17:28 - AI and Market Predictions 00:18:09 - S&P 500 Future Returns 00:19:03 - Dollar Cost Averaging Strategy 00:19:52 - Following Value Investors 00:20:23 - Unbiased Financial Education 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.

  5. 11 Aug

    #349 - Watch Me Live Eliminate Thousands In Debt

    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 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 case Timestamps: 00:00:00 - Introduction 00:00:31 - Real-Life Example Walkthrough 00:00:42 - Visual Aid and YouTube Channel Plug 00:01:03 - Understanding Net Worth and Income Statements 00:01:45 - Real-Life Financial Snapshot Overview 00:02:07 - Assets Breakdown 00:03:00 - Liabilities Breakdown 00:04:08 - Credit Card Debt Analysis 00:05:07 - Net Worth Calculation 00:05:17 - Impact of High Credit Card Debt 00:06:01 - Income Statement Analysis 00:07:07 - Interest Payments and Living Paycheck to Paycheck 00:08:10 - Behavioral Patterns Leading to Debt 00:09:07 - Initial Steps to Fix Financial Crisis 00:09:29 - Refinancing Home Equity 00:10:16 - Cutting Up Credit Cards 00:10:55 - Refinancing Impact on Mortgage 00:11:16 - Asking for a Pay Rise 00:11:41 - Starting a Side Hustle 00:12:24 - Cutting Expenses and No Holidays 00:12:45 - Grocery Shopping Tips 00:13:55 - Car Insurance and Petrol Savings 00:14:50 - Behavior Change and Incremental Savings 00:15:22 - Maintaining Financial Stability 00:16:05 - Importance of Tracking Assets and Liabilities 00:17:07 - Building a Wealth Loop 00:17:28 - Importance of Financial Data for Decision Making 00:18:00 - Conclusion and Encouragement to Track Numbers 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.

  6. 5 Aug

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

    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 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 cycle Timestamps: 00:00:00 - Introduction 00:00:24 Why property prices are already falling 00:01:11 How to read market cycles and history 00:02:56 Auction clearance rates collapsing 00:04:45 Tax changes and investor uncertainty 00:06:52 Interest rates, borrowing capacity and macro factors 00:08:49 Immigration, supply constraints and price floors 00:09:56 Long‑term returns: shares vs property 00:12:31 Reversion to the mean explained 00:13:44 Global examples of 20–40% corrections 00:15:24 Early signs of Australia’s correction 00:16:20 Key factors driving the downturn 00:17:12 Likely correction range: 10–20% (30% possible) 00:18:21 What buyers should do now 00:20:28 Guidance for owners and investors 00:22:39 Long‑term outlook for Australian property 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.

  7. 30 July

    #347 - The Best 10 Years to Build Wealth (not your 20s)

    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 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 scaling Timestamps: 00:00:00 - Introduction 00:00:19 Why 35–45 is the wealth decade 00:00:26 Host introduction 00:00:40 Episode overview 00:00:50 Median net worth by age 00:01:04 Net worth figures explained 00:01:34 Why the biggest jump occurs at 35–45 00:04:42 The five forces that amplify mid‑career wealth 00:07:58 Compounding and catch‑up examples 00:11:57 Book mention and resources 00:14:12 The 35–45 playbook begins 00:15:03 Deploy capital and auto investing 00:15:41 Monetise experience and consulting 00:16:10 Protect health and earning capacity 00:16:46 Verdict: the best decade to build wealth 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.

  8. 28 July

    #346 - Why Keeping OVER This Amount In Your Bank Is A Terrible Mistake

    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 Keeping 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 deployed Timestamps: 00:00:00 - Introduction 00:00:41 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=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.

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5
out of 5
44 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
    361
  • Rating
    Explicit
  • Copyright
    © Lloyd J Ross
  • Show Website
    Money Grows on Trees

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