Money Grows on Trees

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In this new episode, Lloyd exposes the $100 billion risk sitting at the centre of the entire crypto market. Bitcoin’s biggest threat isn’t regulation or hacks. It’s Tether, a stablecoin that has never completed a full independent audit, yet underpins most of crypto’s liquidity.
The episode breaks down:
◼️ Why crypto liquidity depends on stablecoins
◼️ How a Tether confidence shock could trigger forced liquidations
◼️ Why Bitcoin’s trading ecosystem is far more centralised than people think

Timestamps:
00:00:00 - Introduction
00:01:02 - What is Tether?
00:02:37 - Contagion Risk and Liquidity
00:03:50 - Historical Parallels: 2008 Financial Crisis
00:05:03 - The Fragility of Crypto
00:06:17 - The Trust Factor in Crypto
00:06:59 - The Potential for Systemic Failure

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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.

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In this new episode, Lloyd breaks down why the biggest silver crash in 40 years wasn’t a random event, and why most investors are misunderstanding what comes next. A 27% single‑day drop signals structural pressure, crowded positioning and a shift in macro expectations that few people are prepared for.
The episode explores:
◼️ Why extreme moves in silver and gold are driven by fear, liquidity and narrative
◼️ How US dollar weakness, rate expectations and central bank demand fuelled the metals boom
◼️ Why the gold‑to‑oil ratio points to further downside
◼️ How crowded trades unwind and punish late buyers
◼️ Why productive, cash‑flowing assets outperform fear‑based assets over time

Timestamps:
00:00:00 - Introduction
00:01:02 - Current Metals Market Overview
00:02:20 - Drivers Behind Gold and Silver Prices
00:04:27 - Historical Context of Gold and Silver Bull Markets
00:06:43 - The Impact of Kevin Walsh's Appointment
00:08:08 - Understanding Gold to Oil Ratio
00:10:35 - Predictions for Gold and Oil Prices
00:12:30 - The Case Against Investing in Gold and Silver
00:14:07 - Real-Life Implications of Gold and Silver Investments

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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.

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In this episode, Lloyd breaks down why Bitcoin’s collapse wasn’t luck, and why the next phase could be even more brutal than people expect. Cheap money is gone, liquidity is tightening, speculative demand is evaporating and the narratives propping up Bitcoin are cracking under real economic pressure.
You’ll learn:
◼️ Why Bitcoin’s rise depended on cheap money, speculation and new participants
◼️ How tightening liquidity and global rate hikes triggered the crash
◼️ Why Bitcoin behaves like a high‑beta tech stock without earnings
◼️ How sentiment, not fundamentals, drives every boom and collapse
◼️ What the next phase could look like as the market faces a real credit crunch

Timestamps:
00:00:00 - Introduction
00:00:42 – Why Bitcoin Has No Fundamentals
00:02:10 – Cheap Money, Speculation and New Participants
00:03:40 – Liquidity Tightening and the Japan Carry Trade Unwinding
00:05:20 – Why Speculative Assets Fall First
00:06:30 – Bitcoin’s 24/7 Market and No Fail‑Safe Mechanisms
00:07:50 – Why Bitcoin Behaves Like a High‑Beta Tech Stock
00:09:10 – The Problem With Assets That Produce No Cash Flow
00:10:40 – Why Bitcoin’s Core Narratives Are Breaking
00:12:20 – Historical Parallels: Tulips, Dot‑Coms, SPACs and NFTs
00:13:40 – Three Possible Outcomes for Bitcoin From Here
00:15:00 – Why Cash‑Flowing Assets Always Win Long Term

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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 breaks down why the RBA isn’t finished and why Australians are about to feel more financial pressure than they expect. Inflation is still running hot, government spending is fuelling demand, and the next wave of data is set to force decisions that will hit mortgages, property values and household budgets.
You’ll learn:
◼️ Why the belief that “rates are done” is misleading
◼️ How inflation at 3.8% is forcing the RBA to act
◼️ Why rising rates will slow property growth and squeeze households
◼️ How wages, taxes and spending are creating more financial pressure
◼️ What higher rates and unemployment risks could mean for the economy

Timestamps:
00:00:00 - Introduction
00:00:16 – Inflation at 3.8% and Why It’s a Problem
00:03:48 – Why the RBA Raised Rates Again
00:05:20 – How Higher Rates Hit Borrowing Power and Mortgages
00:06:50 – Early Signs of a Property Market Slowdown
00:09:50 – Why Early RBA Cuts Made the Problem Worse
00:11:10 – Wages Falling Behind Inflation
00:12:40 – Why More Rate Hikes Are Likely
00:13:20 – The Risk of Unemployment and AI Disruption

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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 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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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.