Money Grows on Trees

Lloyd J Ross
  • 3.0 (1)
  • 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. 19h ago

    #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.

  2. 6d ago

    #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.

  3. 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.

  4. 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.

  5. Oct 1

    #360 - 5% of the World’s Oil Supply Just Got Bombed (Protect Your Money)

    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 a disruption to global oil supply could impact far more than just the price you pay at the petrol station. From attacks on key Middle Eastern infrastructure to rising diesel prices, he breaks down how energy markets flow through to inflation, interest rates, food costs, and household budgets. ◼️ How disruptions to the Strait of Hormuz and Saudi oil infrastructure are affecting global oil supply and pushing energy prices higher ◼️ Why diesel is the hidden driver of food, transport, and inflation, and how rising diesel costs could impact everyday living expenses ◼️ The key economic indicators to watch, the potential effects on interest rates and markets, and practical ways to prepare your finances for a higher-cost environment Timestamps: 00:00:00 - Introduction 00:00:46 - The Strait of Hormuz and global oil supply 00:01:34 - Iran conflict and disruption to oil flows 00:02:31 - Diesel crack spreads explained 00:03:15 - Why diesel drives food production and inflation 00:04:01 - Saudi pipeline attack and oil price surge 00:05:11 - Oil investments and growing fuel shortages 00:06:04 - Strategic Petroleum Reserve and US midterms 00:07:40 - How diesel costs flow into inflation and interest rates 00:08:21 - Why the oil supply situation could worsen 00:09:16 - Oil price suppression and political incentives 00:10:11 - Lloyd's portfolio positioning and market outlook 00:11:43 - How rising oil prices affect your household budget 00:13:01 - Preparing your finances for higher living costs 00:14:21 - Final thoughts and what to watch next 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. Sep 24

    #359 - ASX vs Wall St - Which Is The Better Option For Australians

    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 most important questions Australian investors face: should you invest in the ASX or put your money to work on Wall Street? By comparing the Australian and US markets across decades of performance, he explains where each market has strengths, where they fall short, and how investors can think about building a smarter portfolio. ◼️ Why Wall Street has historically outperformed the ASX and the key factors driving stronger long-term returns ◼️ The advantages of investing in Australia, including franking credits, dividend income, and exposure to major mining companies ◼️ How Australian investors can avoid home bias, think globally, and make better portfolio decisions for long-term wealth creation Timestamps: 00:00:00 - Introduction 00:00:39 - 10-Year Performance Comparison 00:01:00 - Why US Markets Outperform 00:03:20 - Australia’s Market Strengths and Weaknesses 00:04:47 - Mining, Banks and the ASX Structure 00:05:28 - Innovation and US Competitive Advantage 00:06:33 - Future Outlook for US and Australian Markets 00:07:10 - Currency Exposure and Franking Credits 00:08:55 - Book Promotion 00:09:14 - Diversification and Home Bias 00:10:53 - Australia’s Economic and Policy Challenges 00:12:25 - Commodities Outlook and Final Investment View 00:12:42 - 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. Sep 22

    #358 - The Most Dangerous Ways To Invest (Avoid These at All Costs)

    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 Ross reveals the 7 most dangerous ways people are investing today and why so many everyday investors lose money through schemes, strategies, and products that appear safe on the surface. Learn how to spot the warning signs, avoid costly mistakes, and build wealth using proven long-term investing principles instead. ◼️ Why CFDs, leveraged Forex, options trading, and borrowing to invest can significantly increase your risk of losing money ◼️ How AI scams, fake investment platforms, crypto schemes, and "guaranteed returns" are costing investors millions every year ◼️ A practical checklist to help you identify red flags, protect your capital, and invest with confidence for the long term Timestamps: 00:00:00 - Introduction 00:02:39 - CFDs and leveraged Forex 00:02:39 - Fake investment platforms and AI scams 00:06:24 - Unregulated crypto and token scams 00:09:16 - Options and futures trading risks 00:13:51 - Concentration risk in speculative stocks 00:15:43 - Borrowing to invest in volatile assets 00:17:17 - Guaranteed returns and investment red flags 00:20:11 - Investor safety checklist 00:23:07 - Final thoughts and key takeaways 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. Sep 16

    #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.

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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
    2025 - 2026
  • Episodes
    372
  • Rating
    Explicit
  • Copyright
    © Lloyd J Ross
  • Show Website
    Money Grows on Trees

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