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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% is forcing the RBA to act

◼️ Why rising rates will slow property growth and squeeze households

◼️ How wages, taxes and spending are creating more financial pressure

◼️ What higher rates and unemployment risks could mean for the economy

Timestamps:

00:00:00 - Introduction

00:00:16 – Inflation at 3.8% and Why It’s a Problem

00:03:48 – Why the RBA Raised Rates Again

00:05:20 – How Higher Rates Hit Borrowing Power and Mortgages

00:06:50 – Early Signs of a Property Market Slowdown

00:09:50 – Why Early RBA Cuts Made the Problem Worse

00:11:10 – Wages Falling Behind Inflation

00:12:40 – Why More Rate Hikes Are Likely

00:13:20 – The Risk of Unemployment and AI Disruption

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DISCLAIMER

This content is for educational and informational purposes only. This is not financial, investment, or legal advice. Investing carries inherent risks including potential loss of capital. Past performance does not guarantee future results. Always conduct thorough research and consult with qualified financial advisors before making investment decisions. Individual results vary based on market conditions, personal circumstances, and investment strategy.

Achieve financial freedom and build lasting wealth 👉 http://moneybuyshappinessbook.com

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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

◼️ How millionaires leverage time instead of trading it

◼️ Why long‑term thinking beats every short‑term strategy

Timestamps:

00:00:00 - Introduction

00:01:03 - Secret 1: Build Cashflow, Not Just Income

00:01:34 - Secret 2: Avoid Bad Debt

00:02:26 - Secret 3: Buy Assets Before Lifestyle

00:03:20 - Secret 4: Value Time Over Money

00:04:24 - Book Promotion: Money Buys Happiness

00:04:34 - Secret 4 Continued: Automate, Delegate, Systematize

00:05:06 - Secret 5: Think in Decades, Not Weeks

00:06:08 - The Boring Truth About Wealth Building

00:07:01 - The Importance of Discipline

00:07:32 - Conclusion: Knowledge Applied Consistently Over Time

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DISCLAIMER

This content is for educational and informational purposes only. This is not financial, investment, or legal advice. Investing carries inherent risks including potential loss of capital. Past performance does not guarantee future results. Always conduct thorough research and consult with qualified financial advisors before making investment decisions. Individual results vary based on market conditions, personal circumstances, and investment strategy.

Achieve financial freedom and build lasting wealth 👉 http://moneybuyshappinessbook.com

🔗 TAKE ACTION:

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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 - Introduction

00:01:58 - Housing Affordability Concerns

00:02:08 - Government Policies and Housing Market

00:03:45 - Labor Government's Housing Scheme

00:04:48 - Critique of Low Deposit Home Buying

00:05:05 - Government Help to Buy Scheme

00:06:37 - Immigration and Housing Market

00:07:11 - Criticism of Immigration Policy

00:08:51 - Renting vs. Buying Debate

00:10:22 - Global Housing Affordability Comparison

00:11:22 - Critique of Labor Government Policies

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DISCLAIMER

This content is for educational and informational purposes only. This is not financial, investment, or legal advice. Investing carries inherent risks including potential loss of capital. Past performance does not guarantee future results. Always conduct thorough research and consult with qualified financial advisors before making investment decisions. Individual results vary based on market conditions, personal circumstances, and investment strategy.

Achieve financial freedom and build lasting wealth 👉 http://moneybuyshappinessbook.com

🔗 TAKE ACTION:

Get Money Buys Happiness book: http://moneybuyshappinessbook.com

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 remain essential even when growth slows

◼️ Why railroads are one of the most durable, impenetrable business models in the world

◼️ The common traits these sectors share that make them recession‑resistant

◼️ How positioning early protects your wealth when unemployment rises and inflation stays high

Timestamps:

00:00:00 - Introduction

00:01:24 - Sector 1: Healthcare

00:02:42 - Risks in the Healthcare Sector

00:03:24 - Sector 2: Oil and Gas

00:04:50 - The Importance of Oil in the Global Economy

00:05:53 - Cost Position in Oil Production

00:06:45 - Why Invest in Oil Before a Recession

00:07:06 - Structural Constraints in Oil Supply

00:08:41 - Historical Dominance of Oil Companies

00:09:59 - Sector 3: Railroads

00:10:10 - The Efficiency and Importance of Railroads

00:11:59 - Common Traits of Durable Sectors

00:12:32 - Positioning Capital Before a Downturn

00:14:52 - Recession Rewards: Cashflow and Essential Services

00:15:25 - Conclusion: Growing Assets in Tough Economies

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DISCLAIMER

This content is for educational and informational purposes only. This is not financial, investment, or legal advice. Investing carries inherent risks including potential loss of capital. Past performance does not guarantee future results. Always conduct thorough research and consult with qualified financial advisors before making investment decisions. Individual results vary based on market conditions, personal circumstances, and investment strategy.

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

Achieve financial freedom and build lasting wealth 👉 http://moneybuyshappinessbook.com

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Timestamps:

00:00:00 - Introduction: What Does Bitcoin Produce?

00:01:14 - The Problem with Speculative Assets

00:02:49 - Blockchain's Value vs. Bitcoin's Lack of Utility

00:06:23 - Investing vs. Speculating: The Key Difference

00:08:43 - Why Warren Buffett-Style Investing Works

00:10:00 - The Power of Cash-Flowing Assets (Stocks, Businesses )

00:11:37 - Why the Speaker Avoids Gambling and Speculation

00:12:31 - The Importance of a Teachable, Repeatable Wealth Strategy

00:13:34 - Don't Bet on Lotto Tickets like Bitcoin

00:14:45 - The Durable Way to Build Wealth for Generations

00:15:53 - Final Thoughts: Stick to Fundamentals

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https://x.com/lloydjamesross

DISCLAIMER

This content is for educational and informational purposes only. This is not financial, investment, or legal advice. Investing carries inherent risks including potential loss of capital. Past performance does not guarantee future results. Always conduct thorough research and consult with qualified financial advisors before making investment decisions. Individual results vary based on market conditions, personal circumstances, and investment strategy.

Achieve financial freedom and build lasting wealth 👉 http://moneybuyshappinessbook.com

🔗 TAKE ACTION:

Get Money Buys Happiness book: http://moneybuyshappinessbook.com

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 parallels with past industrial bubbles like dot‑com and railroads

◼️ What this means for your portfolio and retirement savings

Timestamps:

00:00:00 - Introduction

00:01:14 - Understanding the Scale of the Bubble

00:02:49 - Circular Deals and Vendor Financing

00:06:23 - The Demand Problem in AI

00:08:43 - Historical Context: Industrial Bubbles

00:10:00 - Impact on Australian Superannuation

00:11:37 - Currency Risks for Australian Investors

00:12:31 - Economic Implications of the AI Bubble

00:13:34 - Concentration Risk in AI Investments

00:14:45 - OpenAI's Central Role in the Market

00:15:53 - Valuation Concerns and Market Adjustments

00:18:09 - Differences Between AI and Dot-Com Bubbles

00:20:24 - Strategies for Investors in the AI Space

00:22:43 - Final Thoughts: Protecting Your Wealth

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DISCLAIMER

This content is for educational and informational purposes only. This is not financial, investment, or legal advice. Investing carries inherent risks including potential loss of capital. Past performance does not guarantee future results. Always conduct thorough research and consult with qualified financial advisors before making investment decisions. Individual results vary based on market conditions, personal circumstances, and investment strategy.

Achieve financial freedom and build lasting wealth 👉 http://moneybuyshappinessbook.com

🔗 TAKE ACTION:

Get Money Buys Happiness book: http://moneybuyshappinessbook.com

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 the crypto market

Timestamps:

00:00:00 - Introduction

00:01:03 - Introduction to MicroStrategy

00:01:48 - Michael Saylor's History

00:02:31 - Understanding Equity and Liabilities

00:03:35 - Illustrative Example of MicroStrategy's Finances

00:05:00 - Impact of Bitcoin Price Drop

00:06:35 - Minsky Moment and Financial Instability

00:07:40 - Negative Convexity Explained

00:09:05 - The Risks of Leverage

00:10:07 - The Ponzi Scheme Allegation

00:11:53 - The Consequences of Debt Maturity

00:12:56 - Forced Selling and Market Impact

00:14:09 - Theoretical Collapse of MicroStrategy

00:15:57 - Bitcoin's Independence from MicroStrategy

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

https://x.com/lloydjamesross

DISCLAIMER

This content is for educational and informational purposes only. This is not financial, investment, or legal advice. Investing carries inherent risks including potential loss of capital. Past performance does not guarantee future results. Always conduct thorough research and consult with qualified financial advisors before making investment decisions. Individual results vary based on market conditions, personal circumstances, and investment strategy.

Achieve financial freedom and build lasting wealth 👉 http://moneybuyshappinessbook.com

🔗 TAKE ACTION:

Get Money Buys Happiness book: http://moneybuyshappinessbook.com

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 squeeze

Timestamps:

00:00:00 - Introduction

00:01:00 - Current RBA Cash Rate and Inflation

00:02:00 - Market Reactions and Economic Forecasts

00:03:00 - Impact on Homeowners and Consumers

00:04:00 - Consumer Spending and Inflation

00:05:00 - Effects on Investors and Asset Prices

00:06:00 - Australian Dollar and Capital Flow

00:07:00 - Economic Changes and RBA Justifications

00:08:00 - Common Misconceptions About Rate Cuts

00:09:00 - Staying Informed on Economic Trends

Follow Lloyd:

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

https://x.com/lloydjamesross

DISCLAIMER

This content is for educational and informational purposes only. This is not financial, investment, or legal advice. Investing carries inherent risks including potential loss of capital. Past performance does not guarantee future results. Always conduct thorough research and consult with qualified financial advisors before making investment decisions. Individual results vary based on market conditions, personal circumstances, and investment strategy.