Money Grows on Trees

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In this episode, Lloyd reveals the five money secrets millionaires use that most people never learn. These aren’t hacks or shortcuts. They’re the quiet, disciplined habits that build real wealth while everyone else stays trapped in the system.
You’ll learn:
◼️ Why cashflow matters more than a high income
◼️ How wealthy people use debt differently from everyone else
◼️ Why assets come before lifestyle if you want freedom
◼️ How millionaires leverage time instead of trading it
◼️ Why long‑term thinking beats every short‑term strategy

Timestamps:
00:00:00 - Introduction
00:01:03 - Secret 1: Build Cashflow, Not Just Income
00:01:34 - Secret 2: Avoid Bad Debt
00:02:26 - Secret 3: Buy Assets Before Lifestyle
00:03:20 - Secret 4: Value Time Over Money
00:04:24 - Book Promotion: Money Buys Happiness
00:04:34 - Secret 4 Continued: Automate, Delegate, Systematize
00:05:06 - Secret 5: Think in Decades, Not Weeks
00:06:08 - The Boring Truth About Wealth Building
00:07:01 - The Importance of Discipline
00:07:32 - Conclusion: Knowledge Applied Consistently Over Time

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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.

Achieve financial freedom and build lasting wealth 👉 http://moneybuyshappinessbook.com
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In this episode, Lloyd reacts to the housing market circus, migration pressures, and the banks profiting from it all.
You’ll learn:
◼️ Why low‑deposit schemes trap buyers in unsustainable debt
◼️ How government incentives distort the housing market
◼️ Why property isn’t the safe asset people claim it is
◼️ How migration and policy decisions are fuelling the bubble

Timestamps:
00:00:00 - Introduction
00:01:58 - Housing Affordability Concerns
00:02:08 - Government Policies and Housing Market
00:03:45 - Labor Government's Housing Scheme
00:04:48 - Critique of Low Deposit Home Buying
00:05:05 - Government Help to Buy Scheme
00:06:37 - Immigration and Housing Market
00:07:11 - Criticism of Immigration Policy
00:08:51 - Renting vs. Buying Debate
00:10:22 - Global Housing Affordability Comparison
00:11:22 - Critique of Labor Government Policies

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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.

Achieve financial freedom and build lasting wealth 👉 http://moneybuyshappinessbook.com
🔗 TAKE ACTION:
Get Money Buys Happiness book: http://moneybuyshappinessbook.com
Most people only react after a recession hits. By then, prices have moved, fear is peaking, and the best assets are already gone. In this episode, Lloyd James Ross breaks down the three sectors he’s positioning capital in before the downturn arrives, and why these industries continue to generate income even when the economy contracts.
You’ll learn:
◼️ Why healthcare demand barely falls during recessions
◼️ How oil and energy remain essential even when growth slows
◼️ Why railroads are one of the most durable, impenetrable business models in the world
◼️ The common traits these sectors share that make them recession‑resistant
◼️ How positioning early protects your wealth when unemployment rises and inflation stays high

Timestamps:
00:00:00 - Introduction
00:01:24 - Sector 1: Healthcare
00:02:42 - Risks in the Healthcare Sector
00:03:24 - Sector 2: Oil and Gas
00:04:50 - The Importance of Oil in the Global Economy
00:05:53 - Cost Position in Oil Production
00:06:45 - Why Invest in Oil Before a Recession
00:07:06 - Structural Constraints in Oil Supply
00:08:41 - Historical Dominance of Oil Companies
00:09:59 - Sector 3: Railroads
00:10:10 - The Efficiency and Importance of Railroads
00:11:59 - Common Traits of Durable Sectors
00:12:32 - Positioning Capital Before a Downturn
00:14:52 - Recession Rewards: Cashflow and Essential Services
00:15:25 - Conclusion: Growing Assets in Tough Economies

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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.

What does Bitcoin produce? No cashflow, no earnings, no yield. Its price depends entirely on the next buyer paying more than you did. So why are so many people holding an asset that produces nothing?
In this episode, Lloyd reveals:
◼️ Why Bitcoin isn't the investment you think it is
◼️ The difference between price movement and true value
◼️ Why blockchain technology's value doesn't make Bitcoin a good investment
◼️ The smarter, more predictable way to build lasting wealth
◼️ Why you should invest in assets that produce cash flow, not speculation

Achieve financial freedom and build lasting wealth 👉 http://moneybuyshappinessbook.com
🔗 TAKE ACTION:
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Timestamps:
00:00:00 - Introduction: What Does Bitcoin Produce?
00:01:14 - The Problem with Speculative Assets
00:02:49 - Blockchain's Value vs. Bitcoin's Lack of Utility
00:06:23 - Investing vs. Speculating: The Key Difference
00:08:43 - Why Warren Buffett-Style Investing Works
00:10:00 - The Power of Cash-Flowing Assets (Stocks, Businesses )
00:11:37 - Why the Speaker Avoids Gambling and Speculation
00:12:31 - The Importance of a Teachable, Repeatable Wealth Strategy
00:13:34 - Don't Bet on Lotto Tickets like Bitcoin
00:14:45 - The Durable Way to Build Wealth for Generations
00:15:53 - Final Thoughts: Stick to Fundamentals

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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.

Achieve financial freedom and build lasting wealth 👉 http://moneybuyshappinessbook.com
🔗 TAKE ACTION:
Get Money Buys Happiness book: http://moneybuyshappinessbook.com
Global fund managers, the IMF, and even Michael Burry are warning about the AI bubble. Yet billions are still pouring into companies like OpenAI, NVIDIA, and AMD despite unsustainable losses and circular financing deals.
In this episode, Lloyd reveals:
◼️ Why the AI bubble is coming
◼️ How circular money flows are propping up the industry
◼️ Why Australian investors with superannuation are more exposed than they realise
◼️ The parallels with past industrial bubbles like dot‑com and railroads
◼️ What this means for your portfolio and retirement savings

Timestamps:
00:00:00 - Introduction
00:01:14 - Understanding the Scale of the Bubble
00:02:49 - Circular Deals and Vendor Financing
00:06:23 - The Demand Problem in AI
00:08:43 - Historical Context: Industrial Bubbles
00:10:00 - Impact on Australian Superannuation
00:11:37 - Currency Risks for Australian Investors
00:12:31 - Economic Implications of the AI Bubble
00:13:34 - Concentration Risk in AI Investments
00:14:45 - OpenAI's Central Role in the Market
00:15:53 - Valuation Concerns and Market Adjustments
00:18:09 - Differences Between AI and Dot-Com Bubbles
00:20:24 - Strategies for Investors in the AI Space
00:22:43 - Final Thoughts: Protecting Your Wealth

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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.