In this episode, host Lloyd James Ross, a seven-figure investor and entrepreneur, shares insights into overcoming common misconceptions about investing. He emphasizes that many people find investing hard and scary, but with the right knowledge and strategies, it becomes manageable and empowering. Lloyd introduces Leisike, an international student and mother of two from New Zealand, who joins the conversation to share her experiences and excitement about being in the studio for the first time. Together, they discuss the importance of financial education, the pillars of wealth creation, and the transformative power of taking control of one’s finances. Tune in for valuable tips on achieving financial freedom and making your money work for you!Want to achieve financial freedom and build lasting wealth? Get the strategies you need—grab your copy of Money Buys Happiness today: http://moneybuyshappinessbook.comFollow Lloyd:https://www.instagram.com/lloydjamesross/?hl=enhttps://www.linkedin.com/in/lloyd-james-ross-87818129a/?originalSubdomain=auhttps://www.facebook.com/5stepstomillions/https://www.tiktok.com/@lloydjrosshttps://x.com/lloydjamesrossTimestamps[00:00:00] Introduction[00:02:04] Money mindset transformation.[00:06:28] Worthiness and financial responsibility.[00:11:08] Good stewardship of money.[00:12:59] Money management breakthroughs.[00:16:17] Investing for family adventures.[00:29:16] Money-making algorithm steps.[00:36:25] Podcasting as a tool for connection.[00:43:23] Creating a legacy culture.
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45:08
#282 - Ask A Millionaire Segment
In this episode of Money Grows on Trees, Lloyd James Ross breaks down one of the biggest money misconceptions, treating your investments like a business. He helps a single mom navigate how to pay off debt, create new income streams, and start investing smartly. From learning what problems you’re already good at solving to understanding why investing isn’t a “get rich quick” move, this chat is full of real-world money wisdom and practical steps to build long-term wealth the smart way.Want to achieve financial freedom and build lasting wealth? Get the strategies you need—grab your copy of Money Buys Happiness today: http://moneybuyshappinessbook.comFollow Lloyd:https://www.instagram.com/lloydjamesross/?hl=enhttps://www.linkedin.com/in/lloyd-james-ross-87818129a/?originalSubdomain=auhttps://www.facebook.com/5stepstomillions/https://www.tiktok.com/@lloydjrosshttps://x.com/lloydjamesrossTimestamps[00:00:00] Introduction[00:05:40] Helping a single mom create a financial game plan[00:09:10] Active income vs. passive wealth[00:13:25] Why investing isn’t a “get rich quick” move[00:17:05] How to identify the problems you’re best at solving[00:21:30] Building confidence around money decisions
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28:59
#281 - Inflation Explained In 20 Minutes and 30 Seconds
In this episode, Lloyd breaks down what inflation really is, not the textbook version, but the real-world version that’s making your chicken schnitty cost fifty bucks and your favourite ice cream double in price. He unpacks how government spending, low interest rates, and endless money printing have made our dollars worth less, while explaining why wages haven’t kept up and how that’s quietly making us all poorer. You’ll also hear his take on gold, Bitcoin, and what actually works when it comes to hedging against inflation (hint: it’s not crypto hype). Packed with straight talk, relatable examples, and a few laughs, this one will make you see inflation, and your money — in a whole new way.Want to achieve financial freedom and build lasting wealth? Get the strategies you need—grab your copy of Money Buys Happiness today: http://moneybuyshappinessbook.comFollow Lloyd:https://www.instagram.com/lloydjamesross/?hl=enhttps://www.linkedin.com/in/lloyd-james-ross-87818129a/?originalSubdomain=auhttps://www.facebook.com/5stepstomillions/https://www.tiktok.com/@lloydjrosshttps://x.com/lloydjamesrossTimestamps[00:00:00] Introduction[00:00:21] What Inflation Really Means[00:01:05] Why Prices Keep Going Up[00:01:42] How Government Spending Fuels Inflation[00:02:18] The Problem with Wages Not Keeping Up[00:03:00] Real Talk on Money Printing[00:03:45] Can Gold and Bitcoin Protect You?
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20:30
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20:30
#280 - How To Get Rich On A 9-5 Salary
Most people are stuck in a 9 to 5 grind earning active income, but only a few ever break out and build real wealth. In this episode, Lloyd James Ross dives deep into the question, can you actually get rich with a job? From his early days commuting in Dubai and driving a rented Toyota Yaris to becoming a seven figure investor, Lloyd breaks down the exact three step formula that changed his life, cutting costs, investing wisely, and finding ways to amplify income. He shares how side hustles, mindset shifts, and smart money habits can turn financial stress into financial freedom, even if you’re still clocking in every morning. If you’re tired of just working for money and ready to make your money work for you, this episode is your playbook.Want to achieve financial freedom and build lasting wealth? Get the strategies you need—grab your copy of Money Buys Happiness today: http://moneybuyshappinessbook.comFollow Lloyd:https://www.instagram.com/lloydjamesross/?hl=enhttps://www.linkedin.com/in/lloyd-james-ross-87818129a/?originalSubdomain=auhttps://www.facebook.com/5stepstomillions/https://www.tiktok.com/@lloydjrosshttps://x.com/lloydjamesrossTimestamps[00:00:00] Introduction[00:02:14] The mindset trap of the 9 to 5[00:05:32] Why most people never build wealth[00:08:47] Lloyd’s story from Dubai to financial freedom[00:12:15] The three step formula to getting rich[00:17:03] Cutting costs and controlling your cash flow[00:21:28] Investing wisely and letting money work for you[00:26:10] Building side hustles that actually scale[00:30:45] Final thoughts and next steps for financial freedom
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26:39
#279 - The 5% Property Deposit Scam (Don’t Fall For It)
In this episode of Money Grows on Trees, Lloyd James Ross breaks down Australia’s new 5% home deposit scheme, and why it might not be the win it seems. He explains how lower deposits can actually mean higher long-term debt, more financial risk, and less flexibility if the market shifts. Lloyd dives into the bigger picture too—how government incentives, immigration, and the property boom are shaping (and straining) the Aussie housing market. Whether you’re thinking of buying or just curious about what’s really going on behind the headlines, this episode will make you rethink what “getting ahead” truly means.Want to achieve financial freedom and build lasting wealth? Get the strategies you need—grab your copy of Money Buys Happiness today: http://moneybuyshappinessbook.comFollow Lloyd:https://www.instagram.com/lloydjamesross/?hl=enhttps://www.linkedin.com/in/lloyd-james-ross-87818129a/?originalSubdomain=auhttps://www.facebook.com/5stepstomillions/https://www.tiktok.com/@lloydjrosshttps://x.com/lloydjamesrossTimestamps[00:00:00] Introduction[00:00:42] The illusion of “helping buyers” and what you’re really buying[00:01:10] Breaking down Australia’s new 5% deposit policy[00:02:20] How demand-side incentives push property prices higher[00:03:00] Why smaller deposits mean bigger long-term debt[00:04:10] The lessons from America’s 2008 housing crash[00:05:20] How Australia’s economy is overly tied to property[00:06:25] The financial risks if rates rise or the market dips[00:08:15] The truth about the “free lunch” of a 5% deposit
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 to financial independence. Follow now on Apple Podcasts, Spotify, and YouTube to start your journey to financial freedom!
Australia