Money Grows on Trees
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...
#333 - Why 2 Incomes Made the Middle Class Poorer
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Two incomes were supposed to make life easier, but the data shows they simply pushed house prices higher and left the middle class working harder for less. In this new episode, Lloyd breaks down how the two‑income trap reshaped Australia’s economy and why families feel more stretc...
#332 - 10 Things That Are No Longer Worth Your Money
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Spending feels harder than ever and a lot of it comes down to everyday costs that have quietly blown out over the years.
In this new episode, Lloyd breaks down the 10 things that no longer deliver real value and why they drain far more than people re...
#331 - Is It Negligent To Buy Property?
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Buying property right now looks like the default path, but the real numbers behind deposits, interest and long‑term ownership costs tell a very different story.
In this episode, Lloyd breaks down what most people never calculate before committing to a 30‑year loan.
◼️ The true upfro...
#330 - Breaking: Australian Property Is Officially Collapsing
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Australian property prices are beginning to shift, and the early data is pointing in a direction that challenges long‑held assumptions. Clearance rates are falling, listings are being repriced, and borrowing power is tightening faster than most buyers realise. In this new episode, Lloyd explores what the numbers are...
#329- The System Is Designed To Keep Australian’s Poor
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The financial rules people assume are normal are actually engineered to keep them stuck. In this new episode, Lloyd breaks down how the system is structured to reward confusion, punish workers and keep everyday Australians in long term debt without ever realising why.
This episode covers:
...#328 - The 10 Dumbest Things I’ve Seen People Do With Money
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Most people do not lose wealth from market crashes, they lose it from everyday decisions that quietly compound against them. In this episode, Lloyd breaks down the ten money mistakes he sees most often, the ones that feel harmless in the moment but cost people years of progress.
...#327 - The Hack To Retire at 55
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Most Australians retire at 67 with barely enough super to last a decade. But a small group retires at 55 with income‑producing assets that pay them for life.
In this episode, I break down why super alone can’t get you out early, the three assets that actual...
#326 - I'm a Multi-Millionaire and I Rent
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In this episode, Lloyd breaks down why so many Aussies feel “house rich, cash poor”, how the cultural pressure to buy distorts real decision‑making, and what the true cost of ownership looks like when you strip away the narrative.
◼️ The cultural obsession that keeps Australians locked into...
#325 - The Last Time Property Did This, It took 70 Years to Recover
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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
The last time Australia saw a property boom like this, it ended in a 50% crash, and the recovery took 70 years.
Most Aussies think property “always goes up”, but history tells a very different story. In this episode, Lloyd breaks down the 1890s crash, why the same conditions are formin...
#324 - Is SpaceX An Opportunity For The Average Aussie?
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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
SpaceX looks like the investment opportunity of a generation, but most people don’t understand how the IPO works or what they’re actually buying. In this episode, Lloyd breaks down the numbers behind SpaceX, the realities of IPO investing, and why excitement about rockets and Mars missions doesn’t automati...
#323 - Why THIS Is Worthless
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The $100 note in your wallet is worth less today than it was yesterday, not because of normal inflation, but because the modern monetary system is designed to erode your purchasing power over time. In this new episode, Lloyd explains how fiat currency actually works, why governments deliberately debase money, and wh...
#322 - Is the Australian Property Market Collapsing!?
Already house poor or worried you might be? Grab a copy of House Poor:
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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 Australian property boom was driven by seven powerful tailwinds, and why every one of them is now weakening or reversing. He explains how rising rates, political pressure, shifting immigration policy and new economic headwinds are reshaping the next decade, and why th...
#321 - Have a House But NO Disposable Income? (Here’s Why)
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In this new episode, Lloyd reveals why the deeply embedded societal pressure to buy a house is actually a trap for millions of people, and why the macro conditions that made property the trade of the decade are gone. He also breaks down the math behind the "yield gap" and the hidden operating costs that are keeping everyday Australians broke.
This...
#320 - The US Iran War Will Make SMART Investors Insanely Rich
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In this new episode, Lloyd reveals why the US–Iran war is reshaping global markets in ways most investors aren’t seeing, and why a handful of assets consistently move first when fear spikes. He also shares the surprising structure of his own portfolio and the long‑term filter he now uses to decide which companies make the cut.
This episode explores:
◼️ The assets that quietly rise when geopolitical risk peaks
◼️ The unexpected sectors that hold up in every eco...
#319 - WARNING! This Oil Shock Is Going To Destroy Australians
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In this new episode, Lloyd breaks down why the global oil shock is about to hit Australia harder than any other developed nation, and why the cost of everything is about to surge. With Brent crude above $100 and the Strait of Hormuz near closed, fuel, food, freight, inflation and mortgage stress are all set to rise.
This episode covers:
◼️ Why this oil shock is more severe than the 1970s
◼️ How rising fuel costs flow into inflation and interest rates
◼️ The risks to jo...
#318 - The RBA Is Sending Inflation To 5%
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In this new episode, Lloyd breaks down why the RBA’s latest 0.25% hike won’t cool inflation, and why it’s pushing Australia closer to 5%. With a split board, rising fuel costs and Treasury forecasting higher inflation, this move leaves households exposed to more pressure ahead.
This episode breaks down:
◼️ What the RBA actually decided, and why the 5-4 vote matters
◼️ Why a 0.25% move keeps policy neutral while inflation accelerates
◼️ How oil, spending and expectations are driving prices higher
◼️ What rising r...
#317 - The 3 Wealth Archetypes (Don’t Get This Wrong)
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In this new episode, Lloyd explains why most people invest backwards and reveals the three wealth archetypes that determine how you actually handle risk.
This episode breaks down:
◼️ The Guardian, the Builder and the Hunter, and how each one responds to volatility
◼️ Why mismatched risk destroys portfolios more than market crashes
◼️ How to build an investment strategy that aligns with your psychology, not your ego
Ti...
#316 - I’m a Millionaire. If I had $10,000, Here’s How I’d Invest It
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In this new episode, Lloyd breaks down exactly how he would invest $10,000 if he had to start again from scratch. These are the practical steps he’d take today based on the same principles that helped him become a millionaire.
This episode breaks down:
◼️ Why the first investment has nothing to do with the stock market
◼️ How to turn $10,000 into income, skills and momentum
◼️ The framework Lloyd uses...
#315 - Your Super Won't Make You Rich. This Will.
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In this new episode, Lloyd explains why your superannuation was never designed to make you wealthy and why relying on it for freedom is one of the biggest financial misunderstandings in Australia.
This episode breaks down:
◼️ What super actually is and what it was built to do
◼️ Why it preserves capital but doesn’t create optionality or freedom
◼️ The levers that build real wealth long before 65
...
#314 - Why You Should NEVER Listen To Finance Influencers
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In this new episode, Lloyd reacts to some of the most common finance‑influencer advice and breaks down why so much of it is misleading, incomplete or outright dangerous. The episode exposes the tactics, shortcuts and narratives that sound smart online but fall apart when you look at the data, the incentives and the real‑world consequences.
This video covers:
◼️ Why influencer money advice often ignores risk, context and basic maths
#313 - The $100 Billion Lie That Will Destroy Crypto
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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 tra...
#312 - The Biggest Silver Crash In 40 Years (what’s next?)
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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...
#311 - He Predicted Bitcoin To Crash To $67k.. Here’s What He’s Calling Next
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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...
#310 - The RBA Isn’t Done Yet…
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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...
#309- The 5 Money Secrets Millionaires Don't Want You To Know
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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
<...#308 - The 5% Deposit Scheme Is Bankrupting Young Australians (Here's How)
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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...
#307 - If I Wanted to Survive the Recession, This Is What I'd Buy
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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 rem...
#306 - Bitcoin Is Not an Investment (It's a Cult)
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
#305 -The AI Bubble Is Coming For Your Super
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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 parall...
#304 - MicroStrategy Is Collapsing (Will It Crash Bitcoin?)
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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 th...
#303 - WARNING! The RBA is about to HIKE Interest Rates
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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 squ...
#302 - How To Make A FORTUNE From Trumps Takeover
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Trump’s Venezuela takeover has changed the energy game.
In this episode, Lloyd reveals how this geopolitical shift creates one of the biggest wealth opportunities of the decade:
◼️ Why Venezuela’s oil reserves suddenly matter again
◼️ How Trump’s energy policy changes the global game
◼️ The one company already on the ground, ready to profit
◼️ Why Chevron’s integrated model makes it untouchable
◼️ How Warren Buffett’s p...
#301 - How Much Money Do You Need to Never Work Again?
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The entire 2026 money plan…explained fast.
Lloyd covers your magic number, cash‑flow tracking, cost cuts, ETF compounding, and the disciplined behaviours that build a repeatable wealth system.
◼️ How to calculate your magic number so you know exactly what you’re aiming for
◼️ The cash‑flow habits that free up money to actually invest
◼️ The simple ETF strategy that compounds your wealth year after year
Time...
#300 - Give me 49 Seconds .. Master Investing
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The entire game of investing…explained in 60 seconds.
Lloyd reveals the 3 rules that separate wealth builders from everyone else. Watch to the end.
Timestamps:
00:00:00 Introduction
00:00:11 - Rule 1
00:00:22 - Rule 2
00:00:33 - Rule 3
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#299 - The $1.5 Trillion AI Lie That's Holding Up The Global Economy
In this new episode, Lloyd James Ross exposes the $1.5 trillion AI bubble threatening your superannuation, property portfolio, and the wider economy, showing why smart investors are exiting, why most AI projects may never be profitable, and how hype-driven valuations built on circular revenue loops could collapse fast, and most importantly, how you can protect your wealth and be ready to seize real opportunities when the bubble bursts.
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
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#298 - 85 Million Jobs Gone In 2026 (Who will pay the bills?)
In this new episode, Lloyd breaks down the truth behind the headline that 85 million jobs will disappear by 2026, and reveals whether AI is really going to destroy your financial future. While governments push universal basic income as a safety net, it’s really a trap that creates dependency, limits your potential, and keeps you controlled.
Lloyd explores what the headlines about AI job losses are really missing, and why the biggest risk isn’t automation itself but failing to adapt. He shows how the choices you make now will determine whether you fall into dependency or build last...
#297 - Australian Property Isn’t The Investment You Think It Is
In this episode, Lloyd reacts to the housing crisis and exposes how property has become an investment vehicle instead of a home. He breaks down tax policies, banking scandals, and debt traps facing first‑home buyers, while sharing why overpriced markets are setting up for collapse.
Discover how to protect your wealth, avoid risky borrowing, and build financial freedom without being crushed by the property bubble.
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
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#296 - Why The Australian Property Market MUST Crash
In this episode, Lloyd reveals why the Australian property market is a ticking time bomb, and why a crash isn’t just inevitable, it’s necessary to prevent something far worse. With $11.6 trillion in property propped up by $2.6 trillion in debt, households are drowning under unsustainable repayments, and government policies like the 5% deposit scheme and high immigration are only making it worse.
Lloyd explains how APRA is stepping in to temper the market, why unchecked greed is driving housing into bubble territory, and what a controlled correction could mean for both owners and renters. Most importantly, he show...
#295 - The Bitcoin Death Spiral Has Begun. This is Your Last Warning
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 James Ross breaks down why he believes the Bitcoin “death spiral” has already started and what it could mean for your money, especially if you’re exposed to crypto. He unpacks MicroStrategy’s massive leveraged Bitcoin bet, the looming unwind of the Japanese carry trade, and how these risks could trigger a chain reaction across crypto, stocks, property, and even the Australian dollar. From margin calls and forced selling to...
#294 - My 10 Sources Of Income At Age 42
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 reveals his 10 income streams that have lead him to become a multi-millionaire in his early 40's. He highlights the importance of creating multiple streams of income, referencing the saying that the average millionaire has seven sources. Find out how you can take control of your financial future by adopting the right mindset and strategies to grow your wealth and achieve financial freedom.
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