In this episode of Money Grows on Trees, Lloyd James Ross breaks down one of the biggest money misconceptions, treating your investments like a business. He helps a single mom navigate how to pay off debt, create new income streams, and start investing smartly. From learning what problems you’re already good at solving to understanding why investing isn’t a “get rich quick” move, this chat is full of real-world money wisdom and practical steps to build long-term wealth the smart way.

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

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Timestamps

[00:00:00] Introduction

[00:05:40] Helping a single mom create a financial game plan

[00:09:10] Active income vs. passive wealth

[00:13:25] Why investing isn’t a “get rich quick” move

[00:17:05] How to identify the problems you’re best at solving

[00:21:30] Building confidence around money decisions

In this episode, Lloyd breaks down what inflation really is, not the textbook version, but the real-world version that’s making your chicken schnitty cost fifty bucks and your favourite ice cream double in price. He unpacks how government spending, low interest rates, and endless money printing have made our dollars worth less, while explaining why wages haven’t kept up and how that’s quietly making us all poorer. You’ll also hear his take on gold, Bitcoin, and what actually works when it comes to hedging against inflation (hint: it’s not crypto hype). Packed with straight talk, relatable examples, and a few laughs, this one will make you see inflation, and your money — in a whole new way.

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

[00:00:21] What Inflation Really Means

[00:01:05] Why Prices Keep Going Up

[00:01:42] How Government Spending Fuels Inflation

[00:02:18] The Problem with Wages Not Keeping Up

[00:03:00] Real Talk on Money Printing

[00:03:45] Can Gold and Bitcoin Protect You?

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