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...
#368 - This Stock Portfolio is Recession-proof
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In this new episode, Lloyd breaks down how to build a portfolio that can withstand economic uncertainty, market downturns, and potential recessions. He shares the sectors, businesses, and investing principles he believes are best positioned to survive when the economy slows down.
◼️ The fi...
#367 - The Depression Australians Had To Have
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In this new episode, Lloyd examines whether Australia’s property downturn is just a temporary correction or the beginning of a much larger shift. With inflation rising again, interest rate cuts being pushed further out, and property prices already falling across major cities, Lloyd breaks down what...
#366 - Dying Business Or Generational Opportunity?
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In this new episode, Lloyd examines whether Nike's dramatic share price decline is creating a once-in-a-generation investing opportunity or exposing deeper problems within the business. By looking beyond the headlines and into the company's fundamentals, competitive position, and long-term prospects, Lloyd explores what separates a genuinely ch...
#365 - Individual Stocks Vs Index Funds? (Which Wins?)
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In this new episode, Lloyd tackles one of the biggest investing debates of all: should you pick individual stocks or simply buy index funds? While many investors dream of finding the next Apple, Nvidia, or Amazon, the data tells a very different story about how wealth is...
#364 - Warren Buffett's Method Of Calculating Intrinsic Value
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In this new episode, Lloyd breaks down Warren Buffett’s famous concept of intrinsic value and explains how the world’s greatest investor estimates what a business is truly worth. You'll learn why Buffett focuses on future cash flow instead of stock prices, how value investors identi...
#363 - Last Time Bonds Did This, A Recession Followed
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In this new episode, Lloyd breaks down why the US 10-year bond yield rising above 5% is one of the most important financial signals in the world right now. While most people never pay attention to the bond market, its movements can influence everything from mortgage rates an...
#362 - Can Dividends Pay More Than Property?
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In this episode, Lloyd breaks down a real-world comparison between residential property and dividend-paying shares, showing exactly how much income lands in your pocket after expenses, taxes, and hidden ownership costs.
◼️ Property income vs dividend income
◼️ The hidden costs of owning pro...
#361 - How My Stock Portfolio Bought Me This $565k Ferrari (All Cash)
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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 yo...
#360 - 5% of the World’s Oil Supply Just Got Bombed (Protect Your Money)
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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 fl...
#359 - ASX vs Wall St - Which Is The Better Option For Australians
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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 ha...
#358 - The Most Dangerous Ways To Invest (Avoid These at All Costs)
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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 we...
#357 - Property Vs Stocks In Australia (Which wins)
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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 i...
#356 - RBA Warns Aussies Could Be Hit With 7% Interest Rates (Prepare Now)
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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
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 i...
#355 - Major Banks Are About To Crush Australians... Move Your Money Now!
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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 episode, Lloyd breaks down why Australia’s major banks are suddenly cutting rates, stretching loan terms, and offering 5% deposits, not out of generosity, but desperation. Mortgage applications have collapsed, lending margins are shrinking, and banks are quietly shifting risk onto borrowers.
◼️ Why mortgage...
#354 - Australian Property Prices Have Fallen 4 Months In a Row (The Crash Is Here)
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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 Australian property prices have now fallen four months straight, what’s driving the correction, and whether this is just a dip or the start of something deeper. With rate hikes, tax changes, and investor confidence shaken, the crash case...
#353 - The 10 Ways People Go Broke Investing In Shares
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In this new episode, Lloyd breaks down the 10 mistakes that cause almost every share‑market loss, all completely avoidable once you understand how real investing works. From speculation and leverage to short time horizons and panic selling, this episode shows you exactly what destroys wealth and what...
#352 - How Much Do Australians Need Invested To Live Off Dividends?
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In this new episode, Lloyd breaks down how close Australians actually are to living off dividends, and why understanding yields, franking credits, and the simple freedom‑number formula makes passive income far more achievable than most people realise.
◼️ What dividends really are
◼️ How franking...
#351 - Full Shares Masterclass, Wasn’t Meant For The Public
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In this new episode, Lloyd breaks down how shares actually work and why understanding them as real ownership, not numbers on a screen, changes everything about building wealth. This masterclass goes deep into how great companies operate, how shares are created, and the exact principles he us...
#350 - Is The Stock Market Collapsing?!
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Everyone’s panicking about the stock market right now, but most people are panicking for the wrong reasons. In this episode, I break down what’s actually happening beneath the headlines, why the fear is misplaced, and what smart investors are doing while everyone else reacts emotio...
#349 - Watch Me Live Eliminate Thousands In Debt
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In this episode, Lloyd breaks down a real financial snapshot live and shows exactly how to eliminate debt using a clear, strategic order. You’ll see how a few smart moves can save tens of thousands in interest and completely change someone’s financial position.
◼️ H...
#348 - How Far Will Australian Property Prices Fall/Collapse? (Based on History)
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In this new episode, Lloyd breaks down why Australian property prices are already slipping and what history suggests could happen next.
You’ll hear:
◼️ How clearance rates signal the first stage of a downturn
◼️ The impact of tax changes, interest rates and bo...
#347 - The Best 10 Years to Build Wealth (not your 20s)
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In this new episode, Lloyd explains why Australian data shows the biggest net‑worth jump happens between 35 and 45, and how mid‑career income, skills, capital, leverage and tax tools combine to create the ideal decade for building wealth. He also lays out a practical playbook to audit...
#346 - Why Keeping OVER This Amount In Your Bank Is A Terrible Mistake
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Keeping more than you need in a savings account is one of the most expensive mistakes in personal finance. In this episode, Lloyd breaks down why large cash balances lose value every year, the four cash traps most people fall into, and the A + B + C fo...
#345 - I’m A Millionaire Who Hates Property (Here’s Why)
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Most Australians believe residential property is the gold standard for wealth. In this episode, Lloyd explains why his decades inside the industry, from major global developments to running a property investment business, led him to walk away from owning real estate. He breaks down the seven re...
#344 -Is It Still Possible To Build Wealth In Australia?
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Building wealth in Australia genuinely is harder than it used to be. In this episode, Lloyd breaks down why the old pathways have tightened, the policy changes reshaping the landscape, and the four doors still open for anyone willing to adapt. He also shares the eight st...
#343 - Warning! The Australian Property Crash Is Beginning
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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 Australian property crash isn’t coming, it has already begun. In this episode, Lloyd breaks down the hard evidence showing the downturn is officially underway, why clearance rates have collapsed, why mortgage demand has fallen sharply, and the four triggers driving the correction. He also expl...
#342 - BREAKING! The RBA Just Admitted We Are Entering Stagflation
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In this episode, Lloyd breaks down the latest RBA move and why Australia is now showing the textbook signs of stagflation. Inflation has surged to the highest level in the Western world while GDP growth has collapsed to 1.3%, creating the exact environment where every tool the RBA uses makes one ha...
#341 - How To Make Rational Financial Decisions (3 Step Framework)
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In this episode, Lloyd explains why emotions are the biggest threat to your financial future and why most people lose money not from bad investments, but from making permanent decisions in temporary emotional states. He breaks down a simple three‑step framework for rational decision‑making so you can st...
#340 - Serious About Building Wealth In Australia Without Property?
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In this episode, Lloyd breaks down why property is not the only path to wealth in Australia and why sinking your entire net worth into one illiquid, debt‑heavy asset can limit freedom. He explains the alternatives that compound faster, produce real cash flow and give you control of your time...
#339 - I’m A Millionaire. Here’s How I Built Financial Freedom.
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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 episode, Lloyd breaks down the real process behind building financial freedom, not luck, inheritance or crypto hype, but a repeatable strategy anyone can follow. He shares the mistakes, the turnaround story, and the disciplined approach that built a seven‑figure net worth without debt or shortcuts.
◼️ how he t...
#338 - Should Gen Z Buy Property In Australia?
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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 episode, I break down why buying property might be the worst financial move Gen Z could make right now. The numbers, the cycle and the macro forces shaping the market all point in one direction, and it is not the one young buyers are being told to follow.
...#337 - Mindset and Money Pressure Explained
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In this episode, Lloyd reacts to reels that capture the frustration and confusion people feel in today’s economy. Some are funny, some are serious, but all reveal the mechanics behind the pressure you face.
◼️ How bracket creep and new taxes keep squeezing harder
◼️ Why government spending and...
#336 - How The Budget Impacts Every Asset Class (Long-term view)
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The 2026 Australian federal budget just fundamentally changed the rules of investing. In this episode, Lloyd breaks down exactly how scrapping the 50% capital gains tax discount impacts every asset class from property and shares to crypto and gold—and what it means for your wealth-building strategy.
Th...
#335 - Can You Really Thrive in Today’s Economy?
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The market is flashing signals investors can’t afford to ignore. In this episode, Lloyd reacts to what’s happening right now, why it feels eerily familiar to past bubbles, and what that means for anyone holding stocks today.
◼️ The warning signs repeating from history
◼️ Why v...
#334 - The Last Time the Stock Market Did This, It Took 14 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 stock market is flashing signals we haven’t seen since the year 2000. Back then, valuations hit extremes, the Nasdaq collapsed 78%, and investors waited 14 years just to break even. In this episode, Lloyd breaks down why history is rhyming again, what the AI boom looks like compared to the...
#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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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
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:
...