Money Grows on Trees

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.

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.

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.

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.

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.