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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 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.

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 🔗 TAKE ACTION: Get Money Buys Happiness book: http://moneybuyshappinessbook.com 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 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.

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 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.

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 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.

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: 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.

Achieve financial freedom and build lasting wealth 👉 http://moneybuyshappinessbook.com 🔗 TAKE ACTION: Get Money Buys Happiness book: http://moneybuyshappinessbook.com Trump’s Venezuela takeover has changed the energy game. In this episode, Lloyd reveals how this geopolitical shift creates one of the biggest wealth opportunities of the decade: ◼️ Why Venezuela’s oil reserves suddenly matter again ◼️ How Trump’s energy policy changes the global game ◼️ The one company already on the ground, ready to profit ◼️ Why Chevron’s integrated model makes it untouchable ◼️ How Warren Buffett’s portfolio signals where the smart money flows ◼️ The risks investors overlook, and why Chevron can absorb them ◼️ Practical lessons on positioning, incentives, and structure to build lasting wealth Timestamps: 00:00:00 - Introduction 00:01:14 - Why Venezuela Matters Again 00:02:07 - Trump's Energy Strategy 00:03:30 - The Race for Oil and AGI 00:05:05 - U.S. Control Over Venezuela 00:06:12 - Chevron's Historical Context 00:07:39 - Chevron's Position in Venezuela 00:09:56 - The Oil Refining Process 00:10:17 - Chevron's Integrated Business Model 00:11:00 - Importance of Oil in Daily Life 00:11:45 - Chevron's Financial Strength 00:12:45 - Heavy Crude and Refining Challenges 00:13:11 - Market Dynamics and Oil Prices 00:14:24 - Cash Flow and Shareholder Benefits 00:15:40 - Risks Involved in Oil Investment 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.

Achieve financial freedom and build lasting wealth 👉 http://moneybuyshappinessbook.com 🔗 TAKE ACTION: Get Money Buys Happiness book: http://moneybuyshappinessbook.com The entire 2026 money plan…explained fast. Lloyd covers your magic number, cash‑flow tracking, cost cuts, ETF compounding, and the disciplined behaviours that build a repeatable wealth system. ◼️ How to calculate your magic number so you know exactly what you’re aiming for ◼️ The cash‑flow habits that free up money to actually invest ◼️ The simple ETF strategy that compounds your wealth year after year Timestamps: 00:00:00 - Introduction 00:01:18 – Step 1: The Magic Number (your wealth target) 00:03:40 – Step 2: Tracking Cash Flow & Cutting Costs 00:06:55 – Step 3: Investing Simply with ETFs 00:08:33 – Building a Repeatable Wealth System 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.

Achieve financial freedom and build lasting wealth 👉 http://moneybuyshappinessbook.com 🔗 TAKE ACTION: Get Money Buys Happiness book: http://moneybuyshappinessbook.com The entire game of investing…explained in 60 seconds. Lloyd reveals the 3 rules that separate wealth builders from everyone else. Watch to the end. Timestamps: 00:00:00 Introduction 00:00:11 - Rule 1 00:00:22 - Rule 2 00:00:33 - Rule 3 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.

In this new episode, Lloyd James Ross exposes the $1.5 trillion AI bubble threatening your superannuation, property portfolio, and the wider economy, showing why smart investors are exiting, why most AI projects may never be profitable, and how hype-driven valuations built on circular revenue loops could collapse fast, and most importantly, how you can protect your wealth and be ready to seize real opportunities when the bubble bursts. 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-j-ross-26b7859/ https://www.facebook.com/lloyd.ross.7 https://www.tiktok.com/@lloydjross https://x.com/lloydjamesross Timestamps 00:00:00 - Introduction 00:01:46 - Michael Burry's AI Short Position 00:05:02 - Elite Investors Exiting AI 00:07:10 - The $4 Trillion Web of AI Deals 00:09:01 - Alibaba and Industrial Bubbles 00:10:05 - The Future of AI and AGI 00:12:02 - Mainstream Media and AI Bubble Warnings 00:14:01 - Skeptics and Circular Revenue Concerns 00:15:05 - NVIDIA's Financial Red Flags 00:16:42 - Protecting Your Wealth from the AI Bubble 00:17:13 - The Global Impact of the AI Bubble 00:18:07 - MIT Study on AI Project Profitability 00:19:00 - Timeline for Potential AI Bubble Burst 00:21:08 - Investment Strategies for AI Bubble 00:23:05 - Historical Patterns of Bubbles 00:24:08 - Preparing for the AI Bubble Burst

In this new episode, Lloyd breaks down the truth behind the headline that 85 million jobs will disappear by 2026, and reveals whether AI is really going to destroy your financial future. While governments push universal basic income as a safety net, it’s really a trap that creates dependency, limits your potential, and keeps you controlled. Lloyd explores what the headlines about AI job losses are really missing, and why the biggest risk isn’t automation itself but failing to adapt. He shows how the choices you make now will determine whether you fall into dependency or build lasting financial strength. 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-j-ross-26b7859/ https://www.facebook.com/lloyd.ross.7 https://www.tiktok.com/@lloydjross https://x.com/lloydjamesross Timestamps 00:00:00 - Introduction 00:02:50 - The Pattern of Technological Change 00:03:50 - Australia's Unique Skills Shortage 00:05:30 - The Reality of Job Creation vs. Job Loss 00:06:30 - The Risks of Universal Basic Income (UBI) 00:08:30 - The Deception of UBI: Dependency vs. Independence 00:10:00 - Cost Reduction vs. Income: The Future of Wealth 00:11:30 - Three Steps to Financial Indestructibility 00:12:00 - Step 1: Achieving Escape Velocity 00:13:30 - Step 2: Building Your Antifragile Stack 00:15:00 - Step 3: Investing in Yourself 00:16:30 - The Importance of Skills in the Age of AI 00:18:00 - Choosing Your Path: UBI Trap vs. Wealth Path 00:19:30 - The Real Threat: Financial Unpreparedness 00:20:30 - Empowering the Next Generation

In this episode, Lloyd reacts to the housing crisis and exposes how property has become an investment vehicle instead of a home. He breaks down tax policies, banking scandals, and debt traps facing first‑home buyers, while sharing why overpriced markets are setting up for collapse. Discover how to protect your wealth, avoid risky borrowing, and build financial freedom without being crushed by the property bubble. 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 00:01:00 – MicroStrategy’s Massive Leveraged Bitcoin Bet 00:03:52 – Japan’s Carry Trade & Looming Rate Hikes 00:07:01 – Why Australia Is Deeply Exposed to Crypto 00:10:09 – The Ultimate Black Swan: Satoshi Nakamoto’s Wallet 00:12:07 – Portfolio Risk Exposure & Diversification Advice 00:17:17 – Behavioral Traps: HODL Mentality & Laser Eyes Cult 00:21:39 – Signals to Watch: Japan, MicroStrategy, Regulation & Black Swans 00:23:44 – Bigger Picture: Speculative Bubble Across All Assets 00:24:43 – Smart Money Moves: Buffett, Dalio & Value Investors 00:27:39 – Final Warning: Protect Wealth, Diversify & Prepare for the Storm

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 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 - 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. 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 [00:01:00] 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. 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 [00:01:14] 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 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] 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.