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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

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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

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:

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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

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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:

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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:

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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:

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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.