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Already house poor or worried you might be? Grab a copy of House Poor: https://moneybuyshappinessbooks.com/housepoorbook 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 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 identify opportunities, and how you can start applying these principles to your own investing decisions. ◼️ What is intrinsic value and why does Buffett consider it the foundation of investing? ◼️ How can a business be worth more or less than its share price? ◼️ Why do great investors wait patiently for quality companies to go on sale? Timestamps: 00:00:00 - Introduction 00:00:40 - Ferrari Week and Episode Context 00:01:07 - What Intrinsic Value Means 00:02:25 - Discounted Cash Flow Explained 00:03:50 - Why Buffett Avoids Gold and Crypto 00:04:24 - Laundromat Valuation Example 00:05:21 - Buying Below Intrinsic Value 00:06:01 - Buffett’s Early Value Investing Approach 00:06:55 - Estimating Intrinsic Value in Practice 00:08:42 - Dividend Discount Models 00:09:36 - BHP Intrinsic Value Example 00:11:24 - Buffett’s Best Buying Opportunities 00:12:51 - Money Buys Happiness Book 00:13:09 - Why Great Businesses Rarely Look Cheap 00:14:18 - Chris Hohn on Long-Term Compounding 00:15:15 - The Limits of Intrinsic Value Models 00:15:46 - Three Key Lessons for Investors 00:16:13 - Further Share Investing Resources 00:17:12 - Final Summary Follow Lloyd: https://www.instagram.com/lloydjamesross/?hl=en https://www.linkedin.com/in/lloyd-j-ross-26b7859/ https://www.facebook.com/lloyd.ross.7 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.

Already house poor or worried you might be? Grab a copy of House Poor: https://moneybuyshappinessbooks.com/housepoorbook 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 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 and property prices to stock market valuations, inflation, and the broader economy. ◼️ Why are bond yields suddenly making headlines? ◼️ What does a 5% yield signal about the economy ahead? ◼️ How could this impact your investments, mortgage, and wealth-building strategy? Timestamps: 00:00:00 - Introduction 00:00:53 - What a Bond Actually Is 00:02:20 - Treasury Bills, Notes and Bonds 00:03:06 - How Bond Yields Work 00:05:05 - Why Bond Yields Are Rising 00:06:36 - Why the 5% Yield Matters 00:08:01 - Impact on Mortgages and Borrowing Costs 00:08:59 - Asset Prices and Interest Rates 00:09:15 - Bond Market Pressure and Rate Rises 00:10:51 - MoneyBuys Happiness Book 00:11:12 - Why Higher Yields Matter to Investors 00:11:53 - Understanding the Yield Curve 00:13:15 - Inflation and Long-Term Bond Yields 00:14:13 - Government Debt and Market Uncertainty 00:16:03 - Commodities and Inflation Outlook 00:16:46 - Warren Buffett’s Positioning 00:17:19 - Portfolio Strategy for Higher Rates 00:18:24 - Protecting Your Investments 00:18:43 - Key Takeaways on Bond Yields 00:19:24 - Final Summary Follow Lloyd: https://www.instagram.com/lloydjamesross/?hl=en https://www.linkedin.com/in/lloyd-j-ross-26b7859/ https://www.facebook.com/lloyd.ross.7 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.

Already house poor or worried you might be? Grab a copy of House Poor: https://moneybuyshappinessbooks.com/housepoorbook 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 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 property ◼️ Why franked dividends can be tax effective ◼️ A $1 million property vs shares comparison ◼️ Why Lloyd currently prefers shares over property Timestamps: 00:00:00 - Introduction 00:00:46 - How property generates income 00:02:23 - Rental yield and property cash flow 00:04:04 - Tax, costs and net property returns 00:06:31 - Why property income can fall behind inflation 00:08:59 - Comparing shares with property 00:09:47 - The BHP dividend income example 00:12:47 - Franking credits and tax advantages 00:14:28 - Building a higher-yield share portfolio 00:16:52 - Individual shares vs property income 00:17:10 - Australian dividend ETFs 00:17:58 - US index funds and growth investing 00:19:03 - Lloyd's current portfolio positioning 00:20:51 - Building a portfolio for income 00:21:28 - Why shares outperform for cash flow 00:22:37 - Shares Masterclass and final thoughts Follow Lloyd: https://www.instagram.com/lloydjamesross/?hl=en https://www.linkedin.com/in/lloyd-j-ross-26b7859/ https://www.facebook.com/lloyd.ross.7 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.

Already house poor or worried you might be? Grab a copy of House Poor: https://moneybuyshappinessbooks.com/housepoorbook 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 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 you stop collecting numbers on a screen and start living. ◼️ The investing journey that helped turn a childhood dream into reality ◼️ The mindset shift that changed Lloyd's approach to money, wealth, and success ◼️ Lessons on business, investing, lifestyle design, and creating meaningful experiences along the way Timestamps: 00:00:00 - Introduction 00:00:39 - Why This Story Matters 00:05:19 - Starting the Investing Journey 00:07:05 - Business as the Wealth Engine 00:08:27 - Building a Million-Dollar Portfolio 00:10:21 - Investing in Individual Stocks 00:12:44 - Trust Structure and Portfolio Growth 00:14:40 - Funding the Ferrari Purchase 00:15:28 - Supercar Tax and Ownership Structure 00:18:17 - Asset Protection Considerations 00:19:44 - Ferrari Value Retention and Scarcity 00:22:10 - Running Costs of a Ferrari 00:24:30 - When to Buy a Supercar 00:25:27 - Entering the Ferrari Community 00:27:39 - Health Scare and Life Perspective 00:30:43 - Memory Dividends and Spending Money 00:31:45 - Deciding to Buy the Ferrari 00:33:25 - Taking Delivery of the Car 00:34:29 - Lessons on Success and Winning 00:36:00 - Ferrari as a Connector 00:37:55 - 20 Years of Compounding Wealth 00:38:31 - Money, Experiences and Final Reflections 00:39:10 - Final Summary Follow Lloyd: https://www.instagram.com/lloydjamesross/?hl=en https://www.linkedin.com/in/lloyd-j-ross-26b7859/ https://www.facebook.com/lloyd.ross.7 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.

Already house poor or worried you might be? Grab a copy of House Poor: https://moneybuyshappinessbooks.com/housepoorbook 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 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 flow through to inflation, interest rates, food costs, and household budgets. ◼️ How disruptions to the Strait of Hormuz and Saudi oil infrastructure are affecting global oil supply and pushing energy prices higher ◼️ Why diesel is the hidden driver of food, transport, and inflation, and how rising diesel costs could impact everyday living expenses ◼️ The key economic indicators to watch, the potential effects on interest rates and markets, and practical ways to prepare your finances for a higher-cost environment Timestamps: 00:00:00 - Introduction 00:00:46 - The Strait of Hormuz and global oil supply 00:01:34 - Iran conflict and disruption to oil flows 00:02:31 - Diesel crack spreads explained 00:03:15 - Why diesel drives food production and inflation 00:04:01 - Saudi pipeline attack and oil price surge 00:05:11 - Oil investments and growing fuel shortages 00:06:04 - Strategic Petroleum Reserve and US midterms 00:07:40 - How diesel costs flow into inflation and interest rates 00:08:21 - Why the oil supply situation could worsen 00:09:16 - Oil price suppression and political incentives 00:10:11 - Lloyd's portfolio positioning and market outlook 00:11:43 - How rising oil prices affect your household budget 00:13:01 - Preparing your finances for higher living costs 00:14:21 - Final thoughts and what to watch next Follow Lloyd: https://www.instagram.com/lloydjamesross/?hl=en https://www.linkedin.com/in/lloyd-j-ross-26b7859/ https://www.facebook.com/lloyd.ross.7 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.

Already house poor or worried you might be? Grab a copy of House Poor: https://moneybuyshappinessbooks.com/housepoorbook 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 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 has strengths, where they fall short, and how investors can think about building a smarter portfolio. ◼️ Why Wall Street has historically outperformed the ASX and the key factors driving stronger long-term returns ◼️ The advantages of investing in Australia, including franking credits, dividend income, and exposure to major mining companies ◼️ How Australian investors can avoid home bias, think globally, and make better portfolio decisions for long-term wealth creation Timestamps: 00:00:00 - Introduction 00:00:39 - 10-Year Performance Comparison 00:01:00 - Why US Markets Outperform 00:03:20 - Australia’s Market Strengths and Weaknesses 00:04:47 - Mining, Banks and the ASX Structure 00:05:28 - Innovation and US Competitive Advantage 00:06:33 - Future Outlook for US and Australian Markets 00:07:10 - Currency Exposure and Franking Credits 00:08:55 - Book Promotion 00:09:14 - Diversification and Home Bias 00:10:53 - Australia’s Economic and Policy Challenges 00:12:25 - Commodities Outlook and Final Investment View 00:12:42 - Final Summary Follow Lloyd: https://www.instagram.com/lloydjamesross/?hl=en https://www.linkedin.com/in/lloyd-j-ross-26b7859/ https://www.facebook.com/lloyd.ross.7 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.

Already house poor or worried you might be? Grab a copy of House Poor: https://moneybuyshappinessbooks.com/housepoorbook 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 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 wealth using proven long-term investing principles instead. ◼️ Why CFDs, leveraged Forex, options trading, and borrowing to invest can significantly increase your risk of losing money ◼️ How AI scams, fake investment platforms, crypto schemes, and "guaranteed returns" are costing investors millions every year ◼️ A practical checklist to help you identify red flags, protect your capital, and invest with confidence for the long term Timestamps: 00:00:00 - Introduction 00:02:39 - CFDs and leveraged Forex 00:02:39 - Fake investment platforms and AI scams 00:06:24 - Unregulated crypto and token scams 00:09:16 - Options and futures trading risks 00:13:51 - Concentration risk in speculative stocks 00:15:43 - Borrowing to invest in volatile assets 00:17:17 - Guaranteed returns and investment red flags 00:20:11 - Investor safety checklist 00:23:07 - Final thoughts and key takeaways Follow Lloyd: https://www.instagram.com/lloydjamesross/?hl=en https://www.linkedin.com/in/lloyd-j-ross-26b7859/ https://www.facebook.com/lloyd.ross.7 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.

Already house poor or worried you might be? Grab a copy of House Poor: https://moneybuyshappinessbooks.com/housepoorbook 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 is making the problem worse. ◼️ Why inflation is stuck ◼️ How rates could reach 7% ◼️ Australia’s trillion‑dollar debt problem ◼️ How to prepare your finances now Timestamps: 00:00:00 - Introduction 00:01:40 - Net yield and costs 00:02:37 - Franking credits overview 00:03:54 - US shares outperform 00:04:36 - Shares vs property over 30 years 00:05:19 - Where property wins: leverage 00:06:26 - Why leverage only works in rising markets 00:07:27 - Where shares win: lower costs 00:08:10 - Diversification advantage 00:09:51 - Tax changes and negative gearing 00:10:45 - Shares inside superannuation 00:11:19 - Future uncertainty in super rules 00:12:17 - Why shares align with his lifestyle 00:13:23 - Scaling money without scaling problems Follow Lloyd: https://www.instagram.com/lloydjamesross/?hl=en https://www.linkedin.com/in/lloyd-j-ross-26b7859/ https://www.facebook.com/lloyd.ross.7 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.

Already house poor or worried you might be? Grab a copy of House Poor: https://moneybuyshappinessbooks.com/housepoorbook 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 is making the problem worse. ◼️ Why inflation is stuck ◼️ How rates could reach 7% ◼️ Australia’s trillion‑dollar debt problem ◼️ How to prepare your finances now Timestamps: 00:00:00 - Introduction 00:00:32 - Chain of Events Leading to 7% Mortgage Rates 00:01:04 - Recent Rate Hikes and Expectations 00:01:24 - Impact of Inflation on Interest Rates 00:01:56 - Core Inflation and Oil Prices 00:02:28 - Borrowers' Current Mortgage Rates 00:03:10 - Impact of Rate Hikes on Borrowers 00:03:54 - Five Fires Causing Australian Inflation 00:05:30 - Government Spending and Stagflation 00:06:46 - Comparison with Other Economies 00:07:29 - Australia's Growing National Debt 00:08:33 - Government Policies and Inflation 00:09:04 - Practical Steps to Manage Finances 00:10:07 - Preparing for Future Rate Rises 00:11:09 - Advice for Savers and Homeowners Follow Lloyd: https://www.instagram.com/lloydjamesross/?hl=en https://www.linkedin.com/in/lloyd-j-ross-26b7859/ https://www.facebook.com/lloyd.ross.7 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.

Already house poor or worried you might be? Grab a copy of House Poor: https://moneybuyshappinessbooks.com/housepoorbook 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 applications are collapsing ◼️ The hidden traps in new loan offers ◼️ How banks protect themselves while borrowers suffer ◼️ Smart moves to protect your money now Timestamps: 00:00:00 - Introduction 00:01:12 - NAB applications down 15% 00:02:13 - Early signs of a housing correction 00:02:35 - Why borrowing capacity has collapsed 00:03:17 - Retail rate cuts and margin compression 00:04:18 - 40‑year mortgages introduced 00:05:04 - Leverage risk and equity wipe‑outs 00:06:41 - Trap 1, 40‑year loan maths 00:07:03 - Trap 2, 15‑year interest‑only 00:07:22 - Trap 3, 5% deposit equity risk 00:08:52 - Negative equity and real borrower examples 00:09:57 - LMI costs and sunk expenses 00:10:15 - Australia’s $2.6T mortgage debt 00:11:07 - Existing customers paying higher rates 00:12:20 - How to find your real rate 00:12:39 - Avoiding stretch‑loan products 00:13:24 - Running investment deals on P&I 00:14:10 - Banks in your superannuation Follow Lloyd: https://www.instagram.com/lloydjamesross/?hl=en https://www.linkedin.com/in/lloyd-j-ross-26b7859/ https://www.facebook.com/lloyd.ross.7 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.

Already house poor or worried you might be? Grab a copy of House Poor: https://moneybuyshappinessbooks.com/housepoorbook 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 is real, but so is the counter‑argument for recovery. ◼️ Why the correction is accelerating ◼️ How rate hikes and tax changes hit investors ◼️ The bear case vs the recovery case ◼️ What owners, renters and buyers should do now Timestamps: 00:00:00 - Introduction 00:00:31 - The Reality of the Correction 00:00:52 - Monthly Price Declines 00:01:14 - Spread of the Decline Across Cities 00:01:45 - Auction Clearance Rates and Sales Data 00:02:06 - Impact of Rate Hikes and Tax Changes 00:02:26 - Borrowing Capacity Example 00:02:59 - Serviceability and Negative Gearing 00:03:41 - Capital Gains Tax Changes 00:04:02 - Discretionary Trusts and Market Confidence 00:04:12 - Bear Market Argument 00:04:24 - Historical Recovery Engines 00:04:45 - Rent Bomb and NAB Forecast 00:05:38 - International Comparisons 00:05:49 - Bank Forecasts and Price Predictions 00:06:21 - Inflation and Rate Cut Challenges 00:07:03 - Stagflation and Government Decisions 00:07:24 - Expected Price Falls 00:07:34 - Bull Market Argument 00:07:45 - Housing Shortage 00:08:07 - Migration and Demand 00:08:49 - Cash Buyers and Market Floor 00:09:10 - Grandfathering and Supply Lockup 00:09:41 - Rent Math and Vacancy Rates 00:10:01 - Personal Experience with Rental Crisis 00:10:44 - Creative Solutions for Renters 00:11:05 - Cost of Buying vs. Renting 00:11:26 - ANZ Recovery Predictions 00:12:07 - Correction vs. Bear Market vs. Crash 00:12:49 - Long-term Market Outlook 00:13:11 - Buying to Live vs. Flipping 00:13:43 - Rent Increase Strategies 00:14:25 - Alternative Investments 00:14:46 - Holding Property Investments 00:15:17 - Sensible Buying Decisions 00:15:58 - Navigating the Next 12 Months Follow Lloyd: https://www.instagram.com/lloydjamesross/?hl=en https://www.linkedin.com/in/lloyd-j-ross-26b7859/ https://www.facebook.com/lloyd.ross.7 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.

Already house poor or worried you might be? Grab a copy of House Poor: https://moneybuyshappinessbooks.com/housepoorbook 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 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 to do instead. ◼️ The fundamentals most investors never learn ◼️ Why speculation, leverage and trading wipe people out ◼️ The danger of stock tips and chasing “cheap” companies ◼️ How panic selling locks in losses and kills long‑term returns Timestamps: 00:00:00 - Introduction 00:00:41 - Mistake #1 00:02:06 - Mistake #2 00:03:10 - Mistake #3 00:05:45 - Mistake #4 00:08:43 - Mistake #5 00:10:51 - Mistake #6 00:12:28 - Mistake #7 00:14:01 - Mistake #8 00:18:15 - Mistake #9 00:19:49 - Mistake #10 00:20:52 - Conclusion: Avoiding the 10 Mistakes to Succeed in Investing Follow Lloyd: https://www.instagram.com/lloydjamesross/?hl=en https://www.linkedin.com/in/lloyd-j-ross-26b7859/ https://www.facebook.com/lloyd.ross.7 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.

Already house poor or worried you might be? Grab a copy of House Poor: https://moneybuyshappinessbooks.com/housepoorbook 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 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 credits boost income ◼️ Dividend ETFs and sustainable yields ◼️ The exact formula to calculate your freedom number Timestamps: 00:00:00 - Introduction 00:00:19 - Australia’s franking credit advantage 00:00:32 - What dividends actually are 00:02:00 - Dividends vs buybacks (AU vs US) 00:03:03 - Using dividend‑paying ETFs 00:04:07 - Lloyd’s first dividend experience 00:05:35 - Calculating passive income from yields 00:06:36 - Why Australian companies pay higher dividends 00:08:17 - How franking credits reduce tax 00:10:18 - The formula to find your freedom number 00:11:30 - ETF yields and sustainability 00:12:22 - Example: $900K invested for $50K income 00:13:06 - Shares vs term deposits vs property 00:14:15 - Market risk and long‑term patience 00:14:53 - Dividend frequency and cash flow 00:15:27 - Why dividends can be a retirement plan 00:16:26 - Key behaviour risks to avoid Follow Lloyd: https://www.instagram.com/lloydjamesross/?hl=en https://www.linkedin.com/in/lloyd-j-ross-26b7859/ https://www.facebook.com/lloyd.ross.7 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.

Already house poor or worried you might be? Grab a copy of House Poor: https://moneybuyshappinessbooks.com/housepoorbook 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 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 uses to build a portfolio that compounds for decades. ◼️ How shares are created and why IPOs are usually overpriced ◼️ What makes a genuinely high quality business worth owning ◼️ Circle of competence, and why most people should avoid 95 percent of stocks ◼️ The rules Lloyd uses to research, select, and hold individual companies long term Timestamps: 00:00:00 - Introduction 00:01:02 - Private companies and how ownership works 00:02:45 - Debt vs equity, how companies fund growth 00:04:03 - IPOs explained 00:04:48 - Why IPOs are usually overpriced 00:07:10 - Why people invest in shares 00:10:02 - The real purpose of investing 00:12:27 - Compound interest and long‑term compounding 00:13:45 - Circle of competence 00:17:07 - Warren Buffett’s circle of competence 00:19:25 - How Lloyd researches companies 00:22:33 - What makes a quality business 00:25:06 - Monopolies and durable competitive advantage 00:31:12 - Diversification vs concentration 00:33:48 - Index funds and when they make sense 00:47:28 - Building a portfolio that compounds Follow Lloyd: https://www.instagram.com/lloydjamesross/?hl=en https://www.linkedin.com/in/lloyd-j-ross-26b7859/ https://www.facebook.com/lloyd.ross.7 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.

Already house poor or worried you might be? Grab a copy of House Poor: https://moneybuyshappinessbooks.com/housepoorbook 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 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 emotionally. ◼️ Why headlines don’t reflect real market conditions ◼️ The companies still pumping strong earnings ◼️ What Warren Buffett’s moves really signal ◼️ The smart way to invest when uncertainty is high Timestamps: 00:00:00 - Introduction 00:00:52 - Is the Stock Market Collapsing? 00:01:12 - Market Uncertainty and Human Emotion 00:01:54 - High Valuations and AI Boom 00:02:26 - Jeremy Grantham's Bearish View 00:03:08 - Warren Buffett's Investment Strategy 00:03:39 - Real Estate Market Analogy 00:04:11 - S&P 500 Performance 00:04:52 - Earnings Reports of Top Companies 00:05:03 - Price-to-Earnings Multiples Explained 00:05:48 - American Express Valuation 00:06:41 - Google's Earnings Growth 00:07:35 - Warren Buffett's Investment in Google 00:08:38 - Moody's Earnings Growth 00:08:59 - Oil Companies' Performance 00:09:30 - Visa and Coca-Cola Earnings 00:10:02 - Stock Market Valuations 00:10:46 - American Economy Performance 00:11:28 - Potential Market Collapse Signals 00:12:10 - Warren Buffett's Cash Allocation 00:13:14 - Risk Factors: Oil and War 00:14:06 - Unforeseen Risks and Market Collapses 00:17:28 - AI and Market Predictions 00:18:09 - S&P 500 Future Returns 00:19:03 - Dollar Cost Averaging Strategy 00:19:52 - Following Value Investors 00:20:23 - Unbiased Financial Education Follow Lloyd: https://www.instagram.com/lloydjamesross/?hl=en https://www.linkedin.com/in/lloyd-j-ross-26b7859/ https://www.facebook.com/lloyd.ross.7 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.