Money Grows on Trees

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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
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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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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
In this new episode, Lloyd James Ross breaks down why MicroStrategy’s leveraged bet on Bitcoin is starting to unravel. You’ll discover:
◼️ How $17 billion vanished in just three months
◼️ Why Michael Saylor’s debt‑fuelled Bitcoin strategy is dangerously fragile
◼️ The domino effect that could trigger forced liquidations and margin calls
◼️ Why MicroStrategy’s collapse could drag Bitcoin down with it
◼️ What this means for investors watching the crypto market

Timestamps:
00:00:00 - Introduction
00:01:03 - Introduction to MicroStrategy
00:01:48 - Michael Saylor's History
00:02:31 - Understanding Equity and Liabilities
00:03:35 - Illustrative Example of MicroStrategy's Finances
00:05:00 - Impact of Bitcoin Price Drop
00:06:35 - Minsky Moment and Financial Instability
00:07:40 - Negative Convexity Explained
00:09:05 - The Risks of Leverage
00:10:07 - The Ponzi Scheme Allegation
00:11:53 - The Consequences of Debt Maturity
00:12:56 - Forced Selling and Market Impact
00:14:09 - Theoretical Collapse of MicroStrategy
00:15:57 - Bitcoin's Independence from MicroStrategy

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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
In this episode, Lloyd reveals why the Reserve Bank isn’t cutting rates as many expect, and why hikes are coming instead.
◼️ Why inflation isn’t dead
◼️ How higher rates will blindside homeowners
◼️ The impact on property prices, consumer spending, and the Aussie dollar
◼️ Why investors need to understand the link between rates and asset values
◼️ What can be done right now to protect against the coming squeeze

Timestamps:
00:00:00 - Introduction
00:01:00 - Current RBA Cash Rate and Inflation
00:02:00 - Market Reactions and Economic Forecasts
00:03:00 - Impact on Homeowners and Consumers
00:04:00 - Consumer Spending and Inflation
00:05:00 - Effects on Investors and Asset Prices
00:06:00 - Australian Dollar and Capital Flow
00:07:00 - Economic Changes and RBA Justifications
00:08:00 - Common Misconceptions About Rate Cuts
00:09:00 - Staying Informed on Economic Trends

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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.