Money Grows on Trees

Lloyd J Ross
  • 5.0 (13)
  • 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. 10H AGO

    #298 - 85 Million Jobs Gone In 2026 (Who will pay the bills?)

    In this new episode, Lloyd breaks down the truth behind the headline that 85 million jobs will disappear by 2026, and reveals whether AI is really going to destroy your financial future. While governments push universal basic income as a safety net, it’s really a trap that creates dependency, limits your potential, and keeps you controlled. Lloyd explores what the headlines about AI job losses are really missing, and why the biggest risk isn’t automation itself but failing to adapt. He shows how the choices you make now will determine whether you fall into dependency or build lasting financial strength. 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 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 Timestamps 00:00:00 - Introduction 00:02:50 - The Pattern of Technological Change 00:03:50 - Australia's Unique Skills Shortage 00:05:30 - The Reality of Job Creation vs. Job Loss 00:06:30 - The Risks of Universal Basic Income (UBI) 00:08:30 - The Deception of UBI: Dependency vs. Independence 00:10:00 - Cost Reduction vs. Income: The Future of Wealth 00:11:30 - Three Steps to Financial Indestructibility 00:12:00 - Step 1: Achieving Escape Velocity 00:13:30 - Step 2: Building Your Antifragile Stack 00:15:00 - Step 3: Investing in Yourself 00:16:30 - The Importance of Skills in the Age of AI 00:18:00 - Choosing Your Path: UBI Trap vs. Wealth Path 00:19:30 - The Real Threat: Financial Unpreparedness 00:20:30 - Empowering the Next Generation

    22 min

  2. 2D AGO

    #297 - Australian Property Isn’t The Investment You Think It Is

    In this episode, Lloyd reacts to the housing crisis and exposes how property has become an investment vehicle instead of a home. He breaks down tax policies, banking scandals, and debt traps facing first‑home buyers, while sharing why overpriced markets are setting up for collapse. Discover how to protect your wealth, avoid risky borrowing, and build financial freedom without being crushed by the property bubble. 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 Follow Lloyd: https://www.instagram.com/lloydjamesross/?hl=en https://www.linkedin.com/in/lloyd-james-ross-87818129a/?originalSubdomain=au https://www.facebook.com/5stepstomillions/ https://www.tiktok.com/@lloydjross https://x.com/lloydjamesross Timestamps 00:00:00 - Introduction 00:01:00 – MicroStrategy’s Massive Leveraged Bitcoin Bet 00:03:52 – Japan’s Carry Trade & Looming Rate Hikes 00:07:01 – Why Australia Is Deeply Exposed to Crypto 00:10:09 – The Ultimate Black Swan: Satoshi Nakamoto’s Wallet 00:12:07 – Portfolio Risk Exposure & Diversification Advice 00:17:17 – Behavioral Traps: HODL Mentality & Laser Eyes Cult 00:21:39 – Signals to Watch: Japan, MicroStrategy, Regulation & Black Swans 00:23:44 – Bigger Picture: Speculative Bubble Across All Assets 00:24:43 – Smart Money Moves: Buffett, Dalio & Value Investors 00:27:39 – Final Warning: Protect Wealth, Diversify & Prepare for the Storm

    22 min

  3. 6D AGO

    #296 - Why The Australian Property Market MUST Crash

    In this episode, Lloyd reveals why the Australian property market is a ticking time bomb, and why a crash isn’t just inevitable, it’s necessary to prevent something far worse. With $11.6 trillion in property propped up by $2.6 trillion in debt, households are drowning under unsustainable repayments, and government policies like the 5% deposit scheme and high immigration are only making it worse. Lloyd explains how APRA is stepping in to temper the market, why unchecked greed is driving housing into bubble territory, and what a controlled correction could mean for both owners and renters. Most importantly, he shows you how to protect your wealth and position yourself for the opportunities that will come after the fall. 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 Follow Lloyd: https://www.instagram.com/lloydjamesross/?hl=en https://www.linkedin.com/in/lloyd-james-ross-87818129a/?originalSubdomain=au https://www.facebook.com/5stepstomillions/ https://www.tiktok.com/@lloydjross https://x.com/lloydjamesross Timestamps 00:00:00 - Introduction 00:01:03 - Understanding the Current Housing Market Crisis 00:01:35 - Government Policies Fueling the Problem 00:02:59 - The Impact of High Immigration on Housing Prices 00:04:36 - Political Implications of Immigration Policies 00:05:10 - The Role of APRA in Regulating the Market 00:06:56 - Consequences of Low Interest Rates on Inflation 00:08:10 - Potential Fallout from a Housing Market Collapse 00:09:54 - APRA's Measures to Stabilize the Market 00:11:23 - The Human Need for Shelter vs. Investment 00:12:59 - The Need for a Balanced Approach to Housing Prices 00:13:40 - Conclusion: The Future of the Australian Housing Market

    15 min

  4. 12/18/2025

    #295 - The Bitcoin Death Spiral Has Begun. This is Your Last Warning

    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 James Ross breaks down why he believes the Bitcoin “death spiral” has already started and what it could mean for your money, especially if you’re exposed to crypto. He unpacks MicroStrategy’s massive leveraged Bitcoin bet, the looming unwind of the Japanese carry trade, and how these risks could trigger a chain reaction across crypto, stocks, property, and even the Australian dollar. From margin calls and forced selling to behavioral traps like HODL culture and hype-driven investing, this is a blunt, no-fluff look at systemic risk, capital preservation, and how to actually prepare for a major market shock instead of getting caught in it. Follow Lloyd: https://www.instagram.com/lloydjamesross/?hl=en https://www.linkedin.com/in/lloyd-james-ross-87818129a/?originalSubdomain=au https://www.facebook.com/5stepstomillions/ https://www.tiktok.com/@lloydjross https://x.com/lloydjamesross Timestamps [00:00:00] Introduction [00:01:00] MicroStrategy’s leveraged Bitcoin bet [00:02:32] How a forced sell-off could trigger a death spiral [00:04:00] Japan’s carry trade and cheap money fueling Bitcoin [00:06:38] Why this matters for Australia and the wider economy [00:10:04] Satoshi’s wallet and the ultimate black swan risk [00:12:10] Portfolio risk, diversification, and what to do now [00:17:47] Behavioral traps, smart money moves, and final warning

    28 min

  5. 12/16/2025

    #294 - My 10 Sources Of Income At Age 42

    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 reveals his 10 income streams that have lead him to become a multi-millionaire in his early 40's. He highlights the importance of creating multiple streams of income, referencing the saying that the average millionaire has seven sources. Find out how you can take control of your financial future by adopting the right mindset and strategies to grow your wealth and achieve financial freedom. Follow Lloyd: https://www.instagram.com/lloydjamesross/?hl=en https://www.linkedin.com/in/lloyd-james-ross-87818129a/?originalSubdomain=au https://www.facebook.com/5stepstomillions/ https://www.tiktok.com/@lloydjross https://x.com/lloydjamesross Timestamps [00:00:00] Introduction [00:01:14] Ten sources of income. [00:03:10] Publishing to build your brand. [00:06:39] Mindset and money collaboration. [00:10:40] Royalty income from book sales. [00:12:46] Accounting business partnership opportunity.

    14 min

  6. 12/11/2025

    #293 - 45 Years of Data PROVE Which Asset Actually Builds Wealth

    In this episode, Lloyd James Ross, a seven-figure investor and entrepreneur, shares insights on wealth-building through various asset classes over the past 45 years. He compares the returns on a hypothetical $100,000 investment made in 1980 across different options, revealing that gold would have appreciated to $770,000, while Tokyo real estate would only be worth $150,000 today. Interestingly, a 10-year treasury investment would have grown to $1.3 million. Lloyd emphasizes the importance of understanding financial strategies and overcoming old money habits to achieve financial freedom. He discusses the benefits of savings accounts, noting that a $100,000 investment in such an account would be worth $700,000 today, highlighting the varying interest rates across different regions. Tune in to learn how to make your money work for you and take control of your financial future! 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 Follow Lloyd: https://www.instagram.com/lloydjamesross/?hl=en https://www.linkedin.com/in/lloyd-james-ross-87818129a/?originalSubdomain=au https://www.facebook.com/5stepstomillions/ https://www.tiktok.com/@lloydjross https://x.com/lloydjamesross Timestamps [00:00:00] Introduction [00:01:03] Asset class returns comparison. [00:05:41] Real estate recession insights. [00:07:16] New York real estate returns. [00:12:46] S&P 500 investment returns. [00:15:56] Apple investment returns. [00:18:41] Position sizing in investing. [00:20:35] Position sizing in investments.

    23 min

  7. 12/09/2025

    #292 - Is Network Marketing Still Worth It in 2026

    In this episode, Lloyd James Ross, a seven-figure investor and entrepreneur, shares insights on network marketing as a viable option for earning extra income with minimal financial risk. He discusses the importance of selecting the right company, product, compensation plan, and team, emphasizing that while it may take time to see returns, the potential for recurring income and tax deductions makes it a worthwhile endeavor. Lloyd recounts his own journey into network marketing, which began as a side gig while he was in the property business. He highlights the significance of finding opportunities to work beyond a core job and how his wife was introduced to network marketing through family, leading to their initial success. Tune in for valuable strategies on building wealth and achieving financial freedom through network marketing. 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 Follow Lloyd: https://www.instagram.com/lloydjamesross/?hl=en https://www.linkedin.com/in/lloyd-james-ross-87818129a/?originalSubdomain=au https://www.facebook.com/5stepstomillions/ https://www.tiktok.com/@lloydjross https://x.com/lloydjamesross Timestamps [00:00:00] Introduction [00:00:00] Network marketing as income source. [00:04:31] Network marketing as entrepreneurship school. [00:06:57] Network marketing success tips. [00:10:50] Network marketing legality explained. [12:34:56] The power of storytelling.

    12 min

  8. 12/05/2025

    #291 - Why I Don’t Own a House as a Multi-Millionaire

    In this episode, Lloyd James Ross, a seven-figure investor and entrepreneur, dives into the controversial topic of homeownership, specifically why he, as a multimillionaire, chooses not to own a house. He discusses the common pitfalls many face, such as being trapped in old money habits and the financial stress that comes with heavy mortgage commitments. Lloyd emphasizes the importance of investing in oneself and building additional income streams, rather than tying up finances in property. He shares insights on mindset and strategies for achieving financial freedom, making it clear that true wealth comes from making your money work for you. Tune in to discover Lloyd's unique perspective on property ownership and wealth-building. 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 Follow Lloyd: https://www.instagram.com/lloydjamesross/?hl=en https://www.linkedin.com/in/lloyd-james-ross-87818129a/?originalSubdomain=au https://www.facebook.com/5stepstomillions/ https://www.tiktok.com/@lloydjross https://x.com/lloydjamesross Timestamps [00:00:00] Introduction [00:01:02] Why I don't own property. [00:03:00] Renting vs. Home Ownership. [00:08:30] Mortgage and financial freedom. [00:12:01] Diversifying income streams for freedom. [00:14:01] Buying properties for wrong reasons. [00:15:28] Lifestyle over property investment. [00:18:27] Business decision over property investment. [00:21:38] Changing investment strategies for millennials. [00:26:37] Renting vs. owning philosophy. [00:27:50] Building wealth strategies.

    28 min
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5
out of 5
13 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
    306
  • Rating
    Clean
  • Copyright
    © Lloyd J Ross
  • Show Website
    Money Grows on Trees

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