Money Grows on Trees

Lloyd J Ross
  • 5.0 (14)
  • 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. 4d ago

    #345 - I’m A Millionaire Who Hates Property (Here’s Why)

    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 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 better Timestamps: 00:00:00 - Introduction 00:00:41 – 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=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. Jul 16

    #344 -Is It Still Possible To Build Wealth In Australia?

    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 Building 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 week Timestamps: 00:00:00 - Introduction 00:00:22 – Inflation, Rates And Everyday Cost Pressures 00:01:14 – The Deposit War And Collapsing Affordability 00:01:37 – How Policy Favours Older Australians 00:01:43 – Stagflation: High Inflation, Low Growth 00:03:20 – The Game Hasn’t Ended, It Has Moved 00:03:27 – New Wealth Opportunities Through Technology And AI 00:05:57 – Young Australians Shifting To Shares And ETFs 00:06:39 – The Four Doors Still Open To Build Wealth 00:06:42 – Door One: Superannuation Advantages 00:07:02 – Door Two: Indexing And Global Markets 00:08:25 – Door Three: Building Multiple Businesses 00:09:01 – Door Four: Property With New Rules 00:13:52 – The Eight Steps To Start Building Wealth Now 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. Jul 14

    #343 - Warning! The Australian Property Crash Is Beginning

    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 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 buy Timestamps: 00:00:00 – Introduction 00:00:41 – The Evidence the Downturn Has Begun 00:02:13 – National Home Index Hits 0% Growth 00:02:30 – Auction Clearance Rates Collapse 00:03:12 – Mortgage Applications Down 30% 00:03:34 – Why Interest Rates Triggered the Fall 00:04:26 – Budget Changes and Investor Confusion 00:05:06 – Sentiment Shock and SMSF Restrictions 00:06:38 – The Affordability Wall 00:06:46 – Global Property Cycles Turning 00:07:25 – Why More Rate Rises Are Likely 00:08:24 – Long‑Term Population Demand Risks 00:09:52 – Correction vs Crash 00:10:22 – Crash Scenario and Sentiment Risk 00:11:02 – Stagflation’s Impact on Property 00:11:32 – Why an Orderly Decline Is Likely 00:12:06 – Fragmented Markets Across Australia 00:12:39 – Immigration as the Only Buffer 00:13:21 – Why Sideways Prices Are Possible 00:14:35 – Five Signals to Watch 00:17:15 – The Playbook for Owners 00:18:23 – Stress‑Testing Your Mortgage 00:19:58 – When Selling Makes Sense 00:20:08 – The Playbook for Buyers 00:21:01 – Why It’s a No‑Man’s‑Land Market 00:21:54 – Only Buy on a 10‑Year Horizon 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. Jul 8

    #342 - BREAKING! The RBA Just Admitted We Are Entering Stagflation

    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 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 stalls Timestamps: 00:00:00 - Introduction 00:01:04 – 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 Worse 00:05:20 – 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=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. Jul 2

    #341 - How To Make Rational Financial Decisions (3 Step Framework)

    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 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 clear Timestamps: 00:00:00 - Introduction 00:01:02 - Fear of Wrong Decisions 00:01:55 - Enhancing Decision Effectiveness 00:02:16 - Opportunity Cost of Inaction 00:02:48 - Anxiety Around Decisions 00:03:30 - Examples of Commission and Omission 00:04:42 - Warren Buffett's Decisions 00:05:16 - Focus on Acts of Commission 00:06:12 - Step 1: Get the Data 00:08:22 - Example of Data Collection 00:09:15 - Rational Decision-Making 00:10:40 - Step 2: Compare Options 00:11:22 - Downside Protection 00:13:07 - Warren Buffett's Downside Strategies 00:14:10 - Real-Life Examples 00:15:02 - Step 3: Trust Your Gut 00:15:43 - Coin Flip Method 00:16:55 - Applying the Three-Step Formula 00:18:07 - Rational Decisions and Regret 00:19:00 - Taking Control of Your 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.

  6. Jun 30

    #340 - Serious About Building Wealth In Australia Without 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 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 freedom Timestamps: 00:00:00 - Introduction 00:01:00 - Understanding the Property Myth 00:02:30 - The Limitations of Property as an Investment 00:04:50 - The Shift Towards Shares and Other Investments 00:05:50 - Maximizing Superannuation Contributions 00:06:30 - Investing in Index Funds and ETFs 00:08:00 - The Power of Building or Buying a Business 00:09:30 - The Importance of Time Freedom in Wealth Building 00:10:30 - Real-Life Examples: Laundromat vs. Property Investment 00:12:00 - The Value of Network Marketing 00:13:30 - Consulting as a Wealth-Building Strategy 00:15:00 - The Role of Alternative Assets: Crypto and Gold 00:16:30 - Generating Cash Flow for Financial Freedom 00:18:00 - Final Thoughts on Wealth Building Strategies 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. Jun 24

    #339 - I’m A Millionaire. Here’s How I Built Financial Freedom.

    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 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 millions Timestamps: 00:00:00 - Introduction 00:01:43 - Career Beginnings and Challenges 00:02:24 - Moving to Abu Dhabi 00:03:06 - Financial Mistakes in Abu Dhabi 00:04:00 - Realizing Financial Mistakes 00:04:42 - Financial Turnaround Strategy 00:05:24 - Learning About Investments 00:06:05 - Financial Education and CFA Program 00:07:07 - Repatriating to Australia 00:07:49 - Building Financial Independence 00:08:49 - Increasing Income and Real Estate 00:09:55 - Investing in Shares 00:10:55 - Network Marketing Opportunity 00:12:00 - Side Hustles and Additional Income 00:13:54 - Achieving Financial Freedom 00:15:00 - Leaving Traditional Office Work 00:16:14 - Diversifying Income Streams 00:18:00 - Business Ventures and Investments 00:19:04 - Strategy for Financial Independence 00:20:51 - Long-Term Strategy and Patience 00:22:04 - Optimizing for Adventure and Living 00:23:08 - Balancing Financial Goals and 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.

  8. Jun 18

    #338 - Should Gen Z Buy Property In Australia?

    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, 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 wealth Timestamps: 00:00:00 - Introduction: The Budget Changed Everything 00:00:31 - The Dream vs. Reality: Property Affordability Today 00:01:25 - Affordability Crisis: Only 14% Can Buy a Median Home 00:02:31 - Historical Tailwinds: What Drove Property Prices Up 00:03:14 - Market Correction: Sydney and Melbourne Falling 00:04:06 - Rising Interest Rates and Inflation 00:05:30 - The Case Against High Immigration 00:06:15 - International Examples: New Zealand and Canada 00:07:19 - Global Real Estate Trends: Falling Prices 00:08:01 - The Risks of Buying Property with Low Deposits 00:08:53 - The Pressure to Get on the Property Ladder 00:09:45 - The Importance of Skills and Income for Gen Z 00:10:06 - The Flaws in Property Investment Logic 00:10:58 - The Flexibility of Shares vs. Real Estate 00:12:00 - The Structural Undersupply in Copper 00:12:42 - Why Gen Z Should Avoid Buying Property 00:13:37 - The Opportunity Cost of Buying Property 00:14:09 - The Benefits of Investing in Business 00:15:02 - Renting vs. Buying: A Personal Perspective 00:16:04 - When It Might Make Sense to Buy Property 00:17:08 - Optimizing Life for Happiness vs. Property Ownership 00:18:00 - Conclusion: Gen Z and the Future of Wealth Building 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
    353
  • Rating
    Explicit
  • Copyright
    © Lloyd J Ross
  • Show Website
    Money Grows on Trees

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