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 shows you how to protect your wealth and position yourself for the opportunities that will come after the fall.

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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Timestamps

00:00:00 - Introduction

00:01:03 - Understanding the Current Housing Market Crisis

00:01:35 - Government Policies Fueling the Problem

00:02:59 - The Impact of High Immigration on Housing Prices

00:04:36 - Political Implications of Immigration Policies

00:05:10 - The Role of APRA in Regulating the Market

00:06:56 - Consequences of Low Interest Rates on Inflation

00:08:10 - Potential Fallout from a Housing Market Collapse

00:09:54 - APRA's Measures to Stabilize the Market

00:11:23 - The Human Need for Shelter vs. Investment

00:12:59 - The Need for a Balanced Approach to Housing Prices

00:13:40 - Conclusion: The Future of the Australian Housing Market

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 behavioral traps like HODL culture and hype-driven investing, this is a blunt, no-fluff look at systemic risk, capital preservation, and how to actually prepare for a major market shock instead of getting caught in it.

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Timestamps

[00:00:00] Introduction

[00:01:00] MicroStrategy’s leveraged Bitcoin bet

[00:02:32] How a forced sell-off could trigger a death spiral

[00:04:00] Japan’s carry trade and cheap money fueling Bitcoin

[00:06:38] Why this matters for Australia and the wider economy

[00:10:04] Satoshi’s wallet and the ultimate black swan risk

[00:12:10] Portfolio risk, diversification, and what to do now

[00:17:47] Behavioral traps, smart money moves, and final 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 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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Timestamps

[00:00:00] Introduction

[00:01:14] Ten sources of income.

[00:03:10] Publishing to build your brand.

[00:06:39] Mindset and money collaboration.

[00:10:40] Royalty income from book sales.

[00:12:46] Accounting business partnership opportunity.

In this episode, Lloyd James Ross, a seven-figure investor and entrepreneur, shares insights on wealth-building through various asset classes over the past 45 years. He compares the returns on a hypothetical $100,000 investment made in 1980 across different options, revealing that gold would have appreciated to $770,000, while Tokyo real estate would only be worth $150,000 today. Interestingly, a 10-year treasury investment would have grown to $1.3 million. Lloyd emphasizes the importance of understanding financial strategies and overcoming old money habits to achieve financial freedom. He discusses the benefits of savings accounts, noting that a $100,000 investment in such an account would be worth $700,000 today, highlighting the varying interest rates across different regions. Tune in to learn how to make your money work for you and take control of your financial future!

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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Timestamps

[00:00:00] Introduction

[00:01:03] Asset class returns comparison.

[00:05:41] Real estate recession insights.

[00:07:16] New York real estate returns.

[00:12:46] S&P 500 investment returns.

[00:15:56] Apple investment returns.

[00:18:41] Position sizing in investing.

[00:20:35] Position sizing in investments.

In this episode, Lloyd James Ross, a seven-figure investor and entrepreneur, shares insights on network marketing as a viable option for earning extra income with minimal financial risk. He discusses the importance of selecting the right company, product, compensation plan, and team, emphasizing that while it may take time to see returns, the potential for recurring income and tax deductions makes it a worthwhile endeavor. Lloyd recounts his own journey into network marketing, which began as a side gig while he was in the property business. He highlights the significance of finding opportunities to work beyond a core job and how his wife was introduced to network marketing through family, leading to their initial success. Tune in for valuable strategies on building wealth and achieving financial freedom through network marketing.

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

Follow Lloyd:

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Timestamps

[00:00:00] Introduction

[00:00:00] Network marketing as income source.

[00:04:31] Network marketing as entrepreneurship school.

[00:06:57] Network marketing success tips.

[00:10:50] Network marketing legality explained.

[12:34:56] The power of storytelling.

In this episode, Lloyd James Ross, a seven-figure investor and entrepreneur, dives into the controversial topic of homeownership, specifically why he, as a multimillionaire, chooses not to own a house. He discusses the common pitfalls many face, such as being trapped in old money habits and the financial stress that comes with heavy mortgage commitments. Lloyd emphasizes the importance of investing in oneself and building additional income streams, rather than tying up finances in property. He shares insights on mindset and strategies for achieving financial freedom, making it clear that true wealth comes from making your money work for you. Tune in to discover Lloyd's unique perspective on property ownership and wealth-building.

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

Follow Lloyd:

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Timestamps

[00:00:00] Introduction

[00:01:02] Why I don't own property.

[00:03:00] Renting vs. Home Ownership.

[00:08:30] Mortgage and financial freedom.

[00:12:01] Diversifying income streams for freedom.

[00:14:01] Buying properties for wrong reasons.

[00:15:28] Lifestyle over property investment.

[00:18:27] Business decision over property investment.

[00:21:38] Changing investment strategies for millennials.

[00:26:37] Renting vs. owning philosophy.

[00:27:50] Building wealth strategies.

In this episode, Lloyd James Ross, a seasoned seven-figure investor and entrepreneur, shares insights into the seven most common financial mistakes made by business owners. He emphasizes the importance of separating personal and business finances, highlighting that many new entrepreneurs mistakenly treat their business income as personal income. Lloyd encourages listeners to create a contingency budget, much like contractors do, to prepare for unforeseen expenses in both business and personal finances. He aims to equip listeners with the mindset and strategies needed to take control of their finances, grow their wealth, and achieve financial freedom. Tune in to learn how to avoid these pitfalls and set yourself up for success!

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

Follow Lloyd:

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Timestamps

[00:00:00] Introduction

[00:01:03] Mixing personal and business finances.

[00:03:10] Tracking business finances effectively.

[00:06:58] Investing in business growth.

[00:09:17] Business ownership and financial planning.

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, we break down why China is pushing hard to move global trade away from the US dollar—and how gold suddenly became a power move in their strategy. From frozen Russian reserves to skyrocketing gold demand, Lloyd unpacks the real economic chess game happening behind the scenes, explains why a gold-backed currency isn’t the same as going back to a gold standard, and shows how all of this ties into inflation, US debt, and global trust in money. If you’ve ever wondered whether the dollar is actually at risk or if China can really shift the balance, this convo lays it all out in simple, clear terms.

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Timestamps

[00:00:00] Introduction

[00:01:03] How weaponizing the USD started global de-dollarization

[00:03:41] China’s push for RMB-based trade

[00:05:00] Why China links its currency to gold

[00:08:26] The myth of returning to the gold standard

[00:11:01] How fiat currency saved modern economies

[00:15:33] Inflation, debt, and the real USD risks

In this episode, Lloyd breaks down what’s really been happening to the Aussie dollar, from ultra-low interest rates to massive bond-buying during COVID, and how all that cheap money ended up torching our purchasing power. He unpacks why inflation ran wild, how government spending piled on top, and what the RBA got wrong (and right) trying to fix it. If you’ve been wondering why everything suddenly costs more, or whether the dollar is actually recovering, this convo connects all the dots in plain English.

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

Follow Lloyd:

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Timestamps

[00:00:00] Introduction

[00:02:11] How COVID triggered massive money supply expansion

[00:05:04] Oversupply, inflation, and real-world examples (Big Macs, Maxi Bonds, etc.)

[00:08:38] Why the AUD kept getting weaker against the USD

[00:11:03] The RBA’s attempt to pull inflation back to target

[00:14:32] What they should’ve done vs what actually happened

Thinking about buying gold? In this episode, Lloyd James Ross dives into why he avoids gold despite its popularity as a “safe” asset. From massive lines at bullion shops to the risks of buying a non-productive asset, he breaks down why gold can often be a “birdless bush” investment, relying on the greater fool theory rather than producing real income. Lloyd also compares gold to income-generating businesses, explains historical drawdowns, and shares practical strategies to hedge inflation while actually growing your wealth. Whether you’re curious about gold, Bitcoin, or smart investing, this episode gives you a clear perspective on when to be greedy and when to be fearful.

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

Follow Lloyd:

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https://www.tiktok.com/@lloydjross

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Timestamps

[00:00:00] Introduction

[00:02:00] Gold as a risk-off asset

[00:20:00] The “bird in the bush” investing metaphor

[00:38:00] Historical gold drawdowns

[01:10:00] Cinderella & the pumpkin moment

[01:20:00] Income-producing assets vs gold