Money Grows on Trees

Lloyd J Ross
  • 5.0 (14)
  • Investing
  • 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. 1d ago

    #368 - This Stock Portfolio is Recession-proof

    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 to build a portfolio that can withstand economic uncertainty, market downturns, and potential recessions. He shares the sectors, businesses, and investing principles he believes are best positioned to survive when the economy slows down. ◼️ The five types of recession-resilient sectors and businesses Lloyd looks for in uncertain markets ◼️ How to structure a portfolio designed to protect capital while still generating long-term returns ◼️ The investing mistakes that leave portfolios vulnerable during market crashes and economic downturns Timestamps: 00:00:00 - Introduction 00:00:45 - Global recession risks explained 00:03:07 - Why investors buy hype instead of quality 00:03:46 - Consumer staples and defensive businesses 00:05:05 - Utilities and healthcare stocks 00:05:53 - Essential infrastructure investments 00:06:06 - High-quality businesses with competitive advantages 00:06:55 - Building a recession-resilient portfolio 00:07:20 - Portfolio positioning for uncertain markets 00:08:14 - The role of dividends during a recession 00:09:12 - Rules for surviving a market downturn 00:09:57 - Key principles of recession investing 00:10:25 - Resources for learning more about investing 00:10:55 - Final thoughts on recession-proof 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. Nov 4

    #367 - The Depression Australians Had To Have

    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 examines whether Australia’s property downturn is just a temporary correction or the beginning of a much larger shift. With inflation rising again, interest rate cuts being pushed further out, and property prices already falling across major cities, Lloyd breaks down what's driving the decline and what investors, homeowners, and renters should be watching closely. ◼️ Why are property prices falling despite Australia’s housing shortage? ◼️ Could higher interest rates trigger a much deeper housing correction? ◼️ What should homeowners, investors, and first-home buyers do next? Timestamps: 00:00:00 - Introduction 00:00:45 - Are we heading for a recession? 00:01:35 - Inflation surges and rate cuts disappear 00:02:21 - Property prices falling across Australia 00:02:52 - Private credit and apartment oversupply 00:03:57 - Capital city price declines explained 00:04:13 - How interest rates are hurting property 00:05:01 - Recession risks and rising unemployment 00:05:50 - Negative equity and forced sales 00:06:17 - How far could prices fall? 00:06:46 - What could trigger a bigger crash? 00:07:02 - What could stop the decline? 00:07:45 - Lloyd’s strategy for buyers 00:08:16 - Should you buy property now? 00:08:51 - Avoiding FOMO and overleveraging 00:09:29 - Assets to avoid in this environment 00:09:44 - How Lloyd is positioning his portfolio 00:10:23 - Key lessons for property investors 00:11:07 - Final thoughts on the housing market 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. Oct 29

    #366 - Dying Business Or Generational Opportunity?

    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 examines whether Nike's dramatic share price decline is creating a once-in-a-generation investing opportunity or exposing deeper problems within the business. By looking beyond the headlines and into the company's fundamentals, competitive position, and long-term prospects, Lloyd explores what separates a genuinely cheap stock from a value trap. ◼️ Has Nike become a bargain, or is the market signalling something deeper? ◼️ Why are billionaire investors buying while others are heading for the exits? ◼️ How can you tell the difference between a great brand and a great investment? Timestamps: 00:00:00 - Introduction 00:01:52 - Is Nike a bargain or a value trap? 00:02:18 - Nike fundamentals: then versus now 00:04:25 - What caused Nike's decline? 00:05:23 - How Nike built its brand 00:06:47 - Has Nike lost its competitive edge? 00:08:06 - Warren Buffett's view on Nike 00:09:27 - The problem with easy substitutes 00:10:27 - Why Apple is different 00:12:17 - Why Lloyd won't invest in Nike 00:12:37 - Insider buying and investor sentiment 00:13:27 - The 'too hard' basket 00:14:08 - Why Lloyd prefers BHP 00:15:16 - The danger of value traps 00:15:23 - The Stellantis investing lesson 00:16:50 - Even great investors make mistakes 00:17:14 - How to approach stock investing 00:18:28 - Final thoughts on Nike 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. Oct 27

    #365 - Individual Stocks Vs Index Funds? (Which Wins?)

    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 tackles one of the biggest investing debates of all: should you pick individual stocks or simply buy index funds? While many investors dream of finding the next Apple, Nvidia, or Amazon, the data tells a very different story about how wealth is actually created in the stock market and why even professional fund managers often struggle to outperform. ◼️ Why do most individual stocks underperform despite the market delivering strong returns? ◼️ What are the odds of identifying the next big winner before everyone else? ◼️ Should you own a handful of stocks, an index fund, or a combination of both? Timestamps: 00:00:00 - Introduction 00:01:18 - The case for individual stocks 00:02:55 - Why picking winners is difficult 00:05:41 - The data behind stock market returns 00:06:42 - Stocks versus index funds explained 00:07:58 - Advantages of individual stock investing 00:12:31 - Why most stock pickers struggle 00:14:00 - The diversification advantage 00:15:14 - The challenge of holding winners 00:18:24 - The risk of getting it wrong 00:19:35 - Why index funds are hard to beat 00:21:13 - Australian versus US market performance 00:22:01 - Warren Buffett’s million-dollar bet 00:23:43 - Risks and limitations of index funds 00:25:16 - Who should choose stocks or index funds 00:25:59 - A hybrid investing approach 00:26:24 - Key lessons and final thoughts 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. Oct 21

    #364 - Warren Buffett's Method Of Calculating Intrinsic Value

    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 Warren Buffett’s famous concept of intrinsic value and explains how the world’s greatest investor estimates what a business is truly worth. You'll learn why Buffett focuses on future cash flow instead of stock prices, how value investors identify opportunities, and how you can start applying these principles to your own investing decisions. ◼️ What is intrinsic value and why does Buffett consider it the foundation of investing? ◼️ How can a business be worth more or less than its share price? ◼️ Why do great investors wait patiently for quality companies to go on sale? Timestamps: 00:00:00 - Introduction 00:00:40 - Ferrari Week and Episode Context 00:01:07 - What Intrinsic Value Means 00:02:25 - Discounted Cash Flow Explained 00:03:50 - Why Buffett Avoids Gold and Crypto 00:04:24 - Laundromat Valuation Example 00:05:21 - Buying Below Intrinsic Value 00:06:01 - Buffett’s Early Value Investing Approach 00:06:55 - Estimating Intrinsic Value in Practice 00:08:42 - Dividend Discount Models 00:09:36 - BHP Intrinsic Value Example 00:11:24 - Buffett’s Best Buying Opportunities 00:12:51 - Money Buys Happiness Book 00:13:09 - Why Great Businesses Rarely Look Cheap 00:14:18 - Chris Hohn on Long-Term Compounding 00:15:15 - The Limits of Intrinsic Value Models 00:15:46 - Three Key Lessons for Investors 00:16:13 - Further Share Investing Resources 00:17:12 - Final Summary 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. Oct 15

    #363 - Last Time Bonds Did This, A Recession Followed

    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 US 10-year bond yield rising above 5% is one of the most important financial signals in the world right now. While most people never pay attention to the bond market, its movements can influence everything from mortgage rates and property prices to stock market valuations, inflation, and the broader economy. ◼️ Why are bond yields suddenly making headlines? ◼️ What does a 5% yield signal about the economy ahead? ◼️ How could this impact your investments, mortgage, and wealth-building strategy? Timestamps: 00:00:00 - Introduction 00:00:53 - What a Bond Actually Is 00:02:20 - Treasury Bills, Notes and Bonds 00:03:06 - How Bond Yields Work 00:05:05 - Why Bond Yields Are Rising 00:06:36 - Why the 5% Yield Matters 00:08:01 - Impact on Mortgages and Borrowing Costs 00:08:59 - Asset Prices and Interest Rates 00:09:15 - Bond Market Pressure and Rate Rises 00:10:51 - MoneyBuys Happiness Book 00:11:12 - Why Higher Yields Matter to Investors 00:11:53 - Understanding the Yield Curve 00:13:15 - Inflation and Long-Term Bond Yields 00:14:13 - Government Debt and Market Uncertainty 00:16:03 - Commodities and Inflation Outlook 00:16:46 - Warren Buffett’s Positioning 00:17:19 - Portfolio Strategy for Higher Rates 00:18:24 - Protecting Your Investments 00:18:43 - Key Takeaways on Bond Yields 00:19:24 - Final Summary 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. Oct 8

    #362 - Can Dividends Pay More Than Property?

    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-world comparison between residential property and dividend-paying shares, showing exactly how much income lands in your pocket after expenses, taxes, and hidden ownership costs. ◼️ Property income vs dividend income ◼️ The hidden costs of owning property ◼️ Why franked dividends can be tax effective ◼️ A $1 million property vs shares comparison ◼️ Why Lloyd currently prefers shares over property Timestamps: 00:00:00 - Introduction 00:00:46 - How property generates income 00:02:23 - Rental yield and property cash flow 00:04:04 - Tax, costs and net property returns 00:06:31 - Why property income can fall behind inflation 00:08:59 - Comparing shares with property 00:09:47 - The BHP dividend income example 00:12:47 - Franking credits and tax advantages 00:14:28 - Building a higher-yield share portfolio 00:16:52 - Individual shares vs property income 00:17:10 - Australian dividend ETFs 00:17:58 - US index funds and growth investing 00:19:03 - Lloyd's current portfolio positioning 00:20:51 - Building a portfolio for income 00:21:28 - Why shares outperform for cash flow 00:22:37 - Shares Masterclass and final thoughts 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. Oct 6

    #361 - How My Stock Portfolio Bought Me This $565k Ferrari (All Cash)

    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 shares the story behind buying a $565,000 Ferrari with cash after more than two decades of investing, building businesses, and creating long-term wealth. This isn't a conversation about cars. It's a conversation about money, freedom, timing, and what happens when you stop collecting numbers on a screen and start living. ◼️ The investing journey that helped turn a childhood dream into reality ◼️ The mindset shift that changed Lloyd's approach to money, wealth, and success ◼️ Lessons on business, investing, lifestyle design, and creating meaningful experiences along the way Timestamps: 00:00:00 - Introduction 00:00:39 - Why This Story Matters 00:05:19 - Starting the Investing Journey 00:07:05 - Business as the Wealth Engine 00:08:27 - Building a Million-Dollar Portfolio 00:10:21 - Investing in Individual Stocks 00:12:44 - Trust Structure and Portfolio Growth 00:14:40 - Funding the Ferrari Purchase 00:15:28 - Supercar Tax and Ownership Structure 00:18:17 - Asset Protection Considerations 00:19:44 - Ferrari Value Retention and Scarcity 00:22:10 - Running Costs of a Ferrari 00:24:30 - When to Buy a Supercar 00:25:27 - Entering the Ferrari Community 00:27:39 - Health Scare and Life Perspective 00:30:43 - Memory Dividends and Spending Money 00:31:45 - Deciding to Buy the Ferrari 00:33:25 - Taking Delivery of the Car 00:34:29 - Lessons on Success and Winning 00:36:00 - Ferrari as a Connector 00:37:55 - 20 Years of Compounding Wealth 00:38:31 - Money, Experiences and Final Reflections 00:39:10 - Final Summary 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
14 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
    376
  • Rating
    Explicit
  • Copyright
    © Lloyd J Ross
  • Show Website
    Money Grows on Trees

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