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In this new episode, Lloyd breaks down why Australian property prices are already slipping and what history suggests could happen next.

You’ll hear:

◼️ How clearance rates signal the first stage of a downturn

◼️ The impact of tax changes, interest rates and borrowing capacity

◼️ What global markets show about 20–40% corrections

◼️ Why immigration and supply constraints may soften the fall

◼️ What buyers, owners and investors should do in this cycle

Timestamps:

00:00:00 - Introduction

00:00:24 Why property prices are already falling

00:01:11 How to read market cycles and history

00:02:56 Auction clearance rates collapsing

00:04:45 Tax changes and investor uncertainty

00:06:52 Interest rates, borrowing capacity and macro factors

00:08:49 Immigration, supply constraints and price floors

00:09:56 Long‑term returns: shares vs property

00:12:31 Reversion to the mean explained

00:13:44 Global examples of 20–40% corrections

00:15:24 Early signs of Australia’s correction

00:16:20 Key factors driving the downturn

00:17:12 Likely correction range: 10–20% (30% possible)

00:18:21 What buyers should do now

00:20:28 Guidance for owners and investors

00:22:39 Long‑term outlook for Australian property

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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.

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 Australian data shows the biggest net‑worth jump happens between 35 and 45, and how mid‑career income, skills, capital, leverage and tax tools combine to create the ideal decade for building wealth. He also lays out a practical playbook to audit your gap, eliminate high‑cost debt and deploy capital deliberately.

◼️ Why 35–45 is the wealth‑building sweet spot

◼️ The five forces that amplify net worth in mid‑career

◼️ How to catch up if you started late

◼️ A step‑by‑step 35–45 playbook: audit, kill debt, tax levers, deploy, monetise

◼️ How to protect health and earning capacity while scaling

Timestamps:

00:00:00 - Introduction

00:00:19 Why 35–45 is the wealth decade

00:00:26 Host introduction

00:00:40 Episode overview

00:00:50 Median net worth by age

00:01:04 Net worth figures explained

00:01:34 Why the biggest jump occurs at 35–45

00:04:42 The five forces that amplify mid‑career wealth

00:07:58 Compounding and catch‑up examples

00:11:57 Book mention and resources

00:14:12 The 35–45 playbook begins

00:15:03 Deploy capital and auto investing

00:15:41 Monetise experience and consulting

00:16:10 Protect health and earning capacity

00:16:46 Verdict: the best decade to build 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.

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

Keeping more than you need in a savings account is one of the most expensive mistakes in personal finance. In this episode, Lloyd breaks down why large cash balances lose value every year, the four cash traps most people fall into, and the A + B + C formula for how much money should actually stay in the bank, plus where the excess should go instead.

◼️ Why your savings are shrinking

◼️ The four cash traps

◼️ The A + B + C cash formula

◼️ How much cash you should really keep

◼️ Where excess cash should be deployed

Timestamps:

00:00:00 - Introduction

00:00:41 Why your savings are shrinking

00:01:01 Real return after tax and inflation

00:01:32 How standard accounts lose you money

00:01:49 Purchasing power decline explained

00:01:54 Why most people do even worse

00:02:17 The four cash traps

00:02:23 Trap 1, transaction account graveyard

00:02:41 Trap 2, loyalty tax

00:02:58 Trap 3, bonus condition mirage

00:03:16 Trap 4, the $250,000 cliff

00:03:44 How much cash you should actually keep

00:03:53 The A + B + C formula

00:04:00 A, emergency buffer

00:04:17 B, known costs inside 24 months

00:04:44 C, sleep‑at‑night margin

00:04:59 Quick note on Money Buys Happiness

00:05:16 Example cash calculation

00:05:40 Why excess cash is unemployed money

00:06:00 Where your buffer should live

00:06:23 Best option if you have no mortgage

00:06:37 Splitting cash across banks

00:06:51 Handling and preparing your cash

00:07:00 Where excess cash should go

00:07:12 Kill high‑interest debt

00:07:24 Use offset accounts

00:07:39 Extra contributions to super

00:07:47 Two‑fund portfolio

00:08:12 Deploy into income‑producing assets

00:08:29 How to put cash to work

00:08:56 Cash isn’t bad, it’s about deployment

00:09:01 Summary of A + B + C

00:09:18 The $250,000 guarantee reminder

00:09:26 Why too much cash is a major mistake

00:09:49 Your fix, calculate and deploy

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.