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. 3d ago

    #357 - Property Vs Stocks In Australia (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 Rates are already near 7% for many borrowers, and with core inflation stuck at 3.6%, the RBA may have no choice but to push higher. In this episode, Lloyd breaks down the numbers behind rising mortgage rates, why inflation refuses to fall, and how Australia’s trillion‑dollar debt is making the problem worse. ◼️ Why inflation is stuck ◼️ How rates could reach 7% ◼️ Australia’s trillion‑dollar debt problem ◼️ How to prepare your finances now Timestamps: 00:00:00 - Introduction 00:01:40 - Net yield and costs 00:02:37 - Franking credits overview 00:03:54 - US shares outperform 00:04:36 - Shares vs property over 30 years 00:05:19 - Where property wins: leverage 00:06:26 - Why leverage only works in rising markets 00:07:27 - Where shares win: lower costs 00:08:10 - Diversification advantage 00:09:51 - Tax changes and negative gearing 00:10:45 - Shares inside superannuation 00:11:19 - Future uncertainty in super rules 00:12:17 - Why shares align with his lifestyle 00:13:23 - Scaling money without scaling problems 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. Sep 10

    #356 - RBA Warns Aussies Could Be Hit With 7% Interest Rates (Prepare Now)

    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 Rates are already near 7% for many borrowers, and with core inflation stuck at 3.6%, the RBA may have no choice but to push higher. In this episode, Lloyd breaks down the numbers behind rising mortgage rates, why inflation refuses to fall, and how Australia’s trillion‑dollar debt is making the problem worse. ◼️ Why inflation is stuck ◼️ How rates could reach 7% ◼️ Australia’s trillion‑dollar debt problem ◼️ How to prepare your finances now Timestamps: 00:00:00 - Introduction 00:00:32 - Chain of Events Leading to 7% Mortgage Rates 00:01:04 - Recent Rate Hikes and Expectations 00:01:24 - Impact of Inflation on Interest Rates 00:01:56 - Core Inflation and Oil Prices 00:02:28 - Borrowers' Current Mortgage Rates 00:03:10 - Impact of Rate Hikes on Borrowers 00:03:54 - Five Fires Causing Australian Inflation 00:05:30 - Government Spending and Stagflation 00:06:46 - Comparison with Other Economies 00:07:29 - Australia's Growing National Debt 00:08:33 - Government Policies and Inflation 00:09:04 - Practical Steps to Manage Finances 00:10:07 - Preparing for Future Rate Rises 00:11:09 - Advice for Savers and Homeowners 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. Sep 8

    #355 - Major Banks Are About To Crush Australians... Move Your Money Now!

    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 Australia’s major banks are suddenly cutting rates, stretching loan terms, and offering 5% deposits, not out of generosity, but desperation. Mortgage applications have collapsed, lending margins are shrinking, and banks are quietly shifting risk onto borrowers. ◼️ Why mortgage applications are collapsing ◼️ The hidden traps in new loan offers ◼️ How banks protect themselves while borrowers suffer ◼️ Smart moves to protect your money now Timestamps: 00:00:00 - Introduction 00:01:12 - NAB applications down 15% 00:02:13 - Early signs of a housing correction 00:02:35 - Why borrowing capacity has collapsed 00:03:17 - Retail rate cuts and margin compression 00:04:18 - 40‑year mortgages introduced 00:05:04 - Leverage risk and equity wipe‑outs 00:06:41 - Trap 1, 40‑year loan maths 00:07:03 - Trap 2, 15‑year interest‑only 00:07:22 - Trap 3, 5% deposit equity risk 00:08:52 - Negative equity and real borrower examples 00:09:57 - LMI costs and sunk expenses 00:10:15 - Australia’s $2.6T mortgage debt 00:11:07 - Existing customers paying higher rates 00:12:20 - How to find your real rate 00:12:39 - Avoiding stretch‑loan products 00:13:24 - Running investment deals on P&I 00:14:10 - Banks in your superannuation 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. Sep 2

    #354 - Australian Property Prices Have Fallen 4 Months In a Row (The Crash Is Here)

    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 have now fallen four months straight, what’s driving the correction, and whether this is just a dip or the start of something deeper. With rate hikes, tax changes, and investor confidence shaken, the crash case is real, but so is the counter‑argument for recovery. ◼️ Why the correction is accelerating ◼️ How rate hikes and tax changes hit investors ◼️ The bear case vs the recovery case ◼️ What owners, renters and buyers should do now Timestamps: 00:00:00 - Introduction 00:00:31 - The Reality of the Correction 00:00:52 - Monthly Price Declines 00:01:14 - Spread of the Decline Across Cities 00:01:45 - Auction Clearance Rates and Sales Data 00:02:06 - Impact of Rate Hikes and Tax Changes 00:02:26 - Borrowing Capacity Example 00:02:59 - Serviceability and Negative Gearing 00:03:41 - Capital Gains Tax Changes 00:04:02 - Discretionary Trusts and Market Confidence 00:04:12 - Bear Market Argument 00:04:24 - Historical Recovery Engines 00:04:45 - Rent Bomb and NAB Forecast 00:05:38 - International Comparisons 00:05:49 - Bank Forecasts and Price Predictions 00:06:21 - Inflation and Rate Cut Challenges 00:07:03 - Stagflation and Government Decisions 00:07:24 - Expected Price Falls 00:07:34 - Bull Market Argument 00:07:45 - Housing Shortage 00:08:07 - Migration and Demand 00:08:49 - Cash Buyers and Market Floor 00:09:10 - Grandfathering and Supply Lockup 00:09:41 - Rent Math and Vacancy Rates 00:10:01 - Personal Experience with Rental Crisis 00:10:44 - Creative Solutions for Renters 00:11:05 - Cost of Buying vs. Renting 00:11:26 - ANZ Recovery Predictions 00:12:07 - Correction vs. Bear Market vs. Crash 00:12:49 - Long-term Market Outlook 00:13:11 - Buying to Live vs. Flipping 00:13:43 - Rent Increase Strategies 00:14:25 - Alternative Investments 00:14:46 - Holding Property Investments 00:15:17 - Sensible Buying Decisions 00:15:58 - Navigating the Next 12 Months 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. Aug 27

    #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.

  6. Aug 24

    #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.

  7. Aug 20

    #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.

  8. Aug 17

    #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.

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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
    365
  • Rating
    Explicit
  • Copyright
    © Lloyd J Ross
  • Show Website
    Money Grows on Trees

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