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.com

Follow Lloyd:

https://www.instagram.com/lloydjamesross/?hl=en

https://www.linkedin.com/in/lloyd-james-ross-87818129a/?originalSubdomain=au

https://www.facebook.com/5stepstomillions/

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

https://x.com/lloydjamesross

Timestamps

[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

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.com

Follow Lloyd:

https://www.instagram.com/lloydjamesross/?hl=en

https://www.linkedin.com/in/lloyd-james-ross-87818129a/?originalSubdomain=au

https://www.facebook.com/5stepstomillions/

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

https://x.com/lloydjamesross

Timestamps

[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

In this episode of the Wealth Hotline, host Lloyd James Ross, a seven-figure investor and entrepreneur, shares insights on achieving financial freedom and independence. He emphasizes the importance of visibility in business—"you can't sell a secret"—and encourages listeners to recognize the value they can offer. Lloyd discusses the simplicity of building wealth through a paid-off property portfolio, urging those feeling overwhelmed by investing to simplify their approach. Listeners are welcomed into a live segment where five participants pose questions about money, business, and mindset, allowing Lloyd to provide actionable strategies to help them take control of their financial futures. Tune in for practical tips and the motivation to make 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.com

Follow Lloyd:

https://www.instagram.com/lloydjamesross/?hl=en

https://www.linkedin.com/in/lloyd-james-ross-87818129a/?originalSubdomain=au

https://www.facebook.com/5stepstomillions/

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

https://x.com/lloydjamesross

Timestamps

[00:00:00] Introduction

[00:00:16] Financial independence and investment.

[00:04:41] Financial objectives and property investments.

[00:09:56] Financial freedom through real estate.

[00:13:15] Passive income and financial freedom.

[00:19:15] Financial independence strategies.

[00:23:11] Building a brand for keepsakes.

[00:25:29] Collaborating with local vets.

[00:31:10] Paid ad strategies for pet loss.

[00:32:28] Business growth strategies.

[00:36:01] Worth more than $800 a week.

In this episode, host Lloyd James Ross explores the pressing question: Is Australian property overpriced? He candidly acknowledges the high prices in the market while emphasizing that opportunities still exist for savvy investors. Lloyd shares his insights on the potential pitfalls of entering the property market out of social pressure and discusses the implications of buying property at inflated prices. He delves into the metrics and sources that define the overpriced nature of the current market, and he encourages listeners to consider how these factors affect them as homeowners or investors. Whether you’re feeling overwhelmed by investing or just looking to understand the landscape better, this episode provides valuable strategies and a mindset to help you take control of your financial future. Tune in to gain clarity on the Australian property market and discover ways to navigate it effectively.

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:

https://www.instagram.com/lloydjamesross/?hl=en

https://www.linkedin.com/in/lloyd-james-ross-87818129a/?originalSubdomain=au

https://www.facebook.com/5stepstomillions/

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

https://x.com/lloydjamesross

Timestamps

[00:00:00] Introduction

[00:01:03] Australian property market analysis.

[00:04:06] Affordable housing in Australia.

[00:07:10] Rental yield versus property prices.

[00:10:24] Overpriced Australian property market.

[00:15:34] Finding value in investing.

[00:19:27] Cash flow determines asset value.

[00:20:52] Is Australian property overpriced?

In this episode, host Lloyd James Ross dives into the age-old debate of whether Australian property or shares are the better pathway to wealth. With his experience as a seven-figure investor and entrepreneur, Lloyd challenges listeners to rethink their definitions of wealth, emphasizing the importance of being "time rich" in addition to having financial resources. He explores the concept of leverage in property investment and shares his personal insights on why he chose a different route for building wealth. Listeners are encouraged to engage in the conversation, sharing their opinions in the comments. Tune in for valuable mindset strategies and tips on taking 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

Follow Lloyd:

https://www.instagram.com/lloydjamesross/?hl=en

https://www.linkedin.com/in/lloyd-james-ross-87818129a/?originalSubdomain=au

https://www.facebook.com/5stepstomillions/

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

https://x.com/lloydjamesross

Timestamps

[00:00:00] Introduction

[00:01:35] Time rich versus money rich.

[00:04:54] Wealth without property ownership.

[00:09:26] Wealth through public company shares.

[00:10:39] Future of real estate investing.

[00:15:05] Power of investing in ETFs.

[00:18:49] Shares vs. Property Wealth Debate.

[00:20:24] Building wealth strategies.

In this episode, host Lloyd James Ross, a seasoned investor and entrepreneur, dives into the pressing issues surrounding Australia's housing crisis and the government's controversial solutions, including the spare bedroom tax. He expresses strong opinions on the current state of the economy, asserting that what many perceive as a cost of living crisis is actually a spending crisis. Lloyd shares insights on the mindset needed to overcome financial challenges and emphasizes the importance of taking control of one's finances. Additionally, the episode features engaging reaction segments where Lloyd humorously responds to trending social media reels, providing both entertainment and candid commentary on societal issues. Tune in for a blend of financial wisdom and relatable humor!

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:

https://www.instagram.com/lloydjamesross/?hl=en

https://www.linkedin.com/in/lloyd-james-ross-87818129a/?originalSubdomain=au

https://www.facebook.com/5stepstomillions/

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

https://x.com/lloydjamesross

Timestamps

[00:00:00] Introduction

[00:02:23] Housing crisis and generational disparity.

[00:06:02] Taxing unrealized capital gains.

[00:09:31] Millionaires leaving Australia.

[00:10:53] Spending crisis and inflation.

[00:14:06] 18.6-year real estate cycle.

In this episode, Lloyd James Ross discusses the impact of mass immigration on the Australian property market and personal wealth. With over half a million people entering Australia each year, only 12% are skilled workers, leading to a significant demand for housing—specifically, an estimated need for 62,000 additional homes. Lloyd highlights the importance of voting for policies that support sustainable growth rather than unchecked immigration. He emphasizes that understanding these dynamics is crucial for anyone looking to control their financial future, as they directly affect property affordability and investment strategies. Tune in to gain insights on how to navigate these challenges and make informed decisions for financial 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:

https://www.instagram.com/lloydjamesross/?hl=en

https://www.linkedin.com/in/lloyd-james-ross-87818129a/?originalSubdomain=au

https://www.facebook.com/5stepstomillions/

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

https://x.com/lloydjamesross

Timestamps

[00:00:00] Introduction

[00:01:12] Mass immigration and property market.

[00:05:29] Immigration's impact on housing market.

[00:08:12] Immigration impact on property market.

[00:12:14] Mass immigration and property market.

[00:14:54] Immigration's impact on property market.

[00:18:08] Immigration's impact on property prices.

In this episode, Lloyd James Ross, a seven-figure investor and entrepreneur, shares his insights on how to quickly generate $10,000. He emphasizes that asking for a pay rise can be the fastest way to increase your income and highlights the importance of reassessing your spending habits. Lloyd outlines six actionable strategies to help listeners create a financial plan, emphasizing the need for urgency and effectiveness. He shares a real-life success story of a student who needed to raise $3,500 in just two weeks, showcasing the power of a tactical approach. Tune in for practical tips on taking control of your finances and achieving financial freedom.

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:

https://www.instagram.com/lloydjamesross/?hl=en

https://www.linkedin.com/in/lloyd-james-ross-87818129a/?originalSubdomain=au

https://www.facebook.com/5stepstomillions/

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

https://x.com/lloydjamesross

Timestamps

[00:00:00] Introduction

[00:01:35] Pay rise strategies for income.

[00:04:06] Side gigs for extra income.

[00:08:24] Pet sitting as income opportunity.

[00:10:54] Selling on Facebook Marketplace.

[00:12:38] Building wealth strategies.