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

The last time Australia saw a property boom like this, it ended in a 50% crash, and the recovery took 70 years.

Most Aussies think property “always goes up”, but history tells a very different story. In this episode, Lloyd breaks down the 1890s crash, why the same conditions are forming again, and what it means for your money today.

◼️ Why the 1890s property boom collapsed and wiped out 50% of values

◼️ The parallels between that crash and today’s interest rates, credit and confidence

◼️ How macro shocks (oil, AI, unemployment) can trigger a downturn

◼️ Why overpriced, non‑productive property can stagnate for decades

Timestamps:

00:00:00 - Introduction

00:01:00 - Historical Context: The Boom in Melbourne (1870-1888)

00:02:30 - The Detachment from Reality: Property Prices Skyrocket

00:04:00 - Triggers of the 1890s Crash: Capital Withdrawal and Rising Interest Rates

00:06:00 - The Collapse of Confidence and Its Consequences

00:07:30 - Comparisons to Current Market Conditions

00:09:00 - The Impact of External Factors on the Economy

00:10:30 - Lessons from the 1890 Crash: Long Recovery Period

00:12:00 - Potential Future Scenarios for the Property Market

00:13:30 - The Role of Credit and Employment in Property Markets

00:15:00 - Final Thoughts: Caution in Real Estate 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.

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

SpaceX looks like the investment opportunity of a generation, but most people don’t understand how the IPO works or what they’re actually buying. In this episode, Lloyd breaks down the numbers behind SpaceX, the realities of IPO investing, and why excitement about rockets and Mars missions doesn’t automatically translate into a good return for everyday Australians.

This episode explores:

■ SpaceX IPO mechanics and what an IPO really is

■ Why industrial revolutions create bubbles rather than guaranteed profits

■ How past innovations like railroads, airlines and dot‑coms wiped out investors

■ SpaceX revenue vs valuation and what a $1.5–$2 trillion price implies

■ Why proven businesses like Meta offer a clearer investment case than speculative IPOs

Timestamps:

00:00:00 - Introduction

00:01:02 - The Impact of SpaceX on Civilization

00:02:50 - Cost Reduction in Space Travel

00:04:58 - Investment Considerations

00:06:44 - Historical Context of Industrial Revolutions

00:08:09 - Understanding SpaceX's Business Model

00:10:36 - Valuation and Revenue Analysis

00:12:01 - Market Expectations and Risks

00:13:47 - Comparing SpaceX to Meta

00:16:29 - Investment Strategy Insights

00:19:20 - Final Thoughts on SpaceX IPO

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

The $100 note in your wallet is worth less today than it was yesterday, not because of normal inflation, but because the modern monetary system is designed to erode your purchasing power over time. In this new episode, Lloyd explains how fiat currency actually works, why governments deliberately debase money, and what that means for everyday Australians.

This episode explores:

■ How fiat currency was created and why it replaced the gold standard

■ Why controlled inflation works, and why deflation destroys economies

■ The four ways governments intentionally debase currency

■ Why wage growth has not kept up with inflation in recent years

■ How political decisions, spending blowouts and bureaucracy accelerate currency decline

Timestamps:

00:00:00 - Introduction

00:00:42 - Understanding Fiat Currency

00:01:03 - The Gold Standard: A Historical Perspective

00:01:35 - The Great Depression and World War II Impact

00:02:07 - The Nixon Shock: End of the Gold Standard

00:02:29 - What is Fiat Money?

00:03:00 - Trust and Belief in Currency

00:05:07 - Historical Case: Napoleonic Wars and Deflation

00:06:10 - Returning to the Gold Standard: Consequences

00:07:05 - Controlled Inflation: The 2% Model

00:09:01 - Government's Role in Currency Debasement

00:09:33 - Quantitative Easing: Printing More Money

00:14:54 - Impact on Productivity and Economy

00:15:26 - How Currency Debasement Affects You

00:17:00 - The Role of Government Policies

00:18:03 - The Future of Currency Debasement

00:19:06 - Investing in Gold vs. Businesses

00:20:01 - Importance of Voting for Economic Policies

00:20:33 - Conclusion: Leadership and Currency Management

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.