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In this new episode, Lloyd breaks down Warren Buffett’s famous concept of intrinsic value and explains how the world’s greatest investor estimates what a business is truly worth. You'll learn why Buffett focuses on future cash flow instead of stock prices, how value investors identify opportunities, and how you can start applying these principles to your own investing decisions.

◼️ What is intrinsic value and why does Buffett consider it the foundation of investing?

◼️ How can a business be worth more or less than its share price?

◼️ Why do great investors wait patiently for quality companies to go on sale?

Timestamps:

00:00:00 - Introduction

00:00:40 - Ferrari Week and Episode Context

00:01:07 - What Intrinsic Value Means

00:02:25 - Discounted Cash Flow Explained

00:03:50 - Why Buffett Avoids Gold and Crypto

00:04:24 - Laundromat Valuation Example

00:05:21 - Buying Below Intrinsic Value

00:06:01 - Buffett’s Early Value Investing Approach

00:06:55 - Estimating Intrinsic Value in Practice

00:08:42 - Dividend Discount Models

00:09:36 - BHP Intrinsic Value Example

00:11:24 - Buffett’s Best Buying Opportunities

00:12:51 - Money Buys Happiness Book

00:13:09 - Why Great Businesses Rarely Look Cheap

00:14:18 - Chris Hohn on Long-Term Compounding

00:15:15 - The Limits of Intrinsic Value Models

00:15:46 - Three Key Lessons for Investors

00:16:13 - Further Share Investing Resources

00:17:12 - Final Summary

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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 breaks down why the US 10-year bond yield rising above 5% is one of the most important financial signals in the world right now. While most people never pay attention to the bond market, its movements can influence everything from mortgage rates and property prices to stock market valuations, inflation, and the broader economy.

◼️ Why are bond yields suddenly making headlines?

◼️ What does a 5% yield signal about the economy ahead?

◼️ How could this impact your investments, mortgage, and wealth-building strategy?

Timestamps:

00:00:00 - Introduction

00:00:53 - What a Bond Actually Is

00:02:20 - Treasury Bills, Notes and Bonds

00:03:06 - How Bond Yields Work

00:05:05 - Why Bond Yields Are Rising

00:06:36 - Why the 5% Yield Matters

00:08:01 - Impact on Mortgages and Borrowing Costs

00:08:59 - Asset Prices and Interest Rates

00:09:15 - Bond Market Pressure and Rate Rises

00:10:51 - MoneyBuys Happiness Book

00:11:12 - Why Higher Yields Matter to Investors

00:11:53 - Understanding the Yield Curve

00:13:15 - Inflation and Long-Term Bond Yields

00:14:13 - Government Debt and Market Uncertainty

00:16:03 - Commodities and Inflation Outlook

00:16:46 - Warren Buffett’s Positioning

00:17:19 - Portfolio Strategy for Higher Rates

00:18:24 - Protecting Your Investments

00:18:43 - Key Takeaways on Bond Yields

00:19:24 - Final Summary

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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 episode, Lloyd breaks down a real-world comparison between residential property and dividend-paying shares, showing exactly how much income lands in your pocket after expenses, taxes, and hidden ownership costs.

◼️ Property income vs dividend income

◼️ The hidden costs of owning property

◼️ Why franked dividends can be tax effective

◼️ A $1 million property vs shares comparison

◼️ Why Lloyd currently prefers shares over property

Timestamps:

00:00:00 - Introduction

00:00:46 - How property generates income

00:02:23 - Rental yield and property cash flow

00:04:04 - Tax, costs and net property returns

00:06:31 - Why property income can fall behind inflation

00:08:59 - Comparing shares with property

00:09:47 - The BHP dividend income example

00:12:47 - Franking credits and tax advantages

00:14:28 - Building a higher-yield share portfolio

00:16:52 - Individual shares vs property income

00:17:10 - Australian dividend ETFs

00:17:58 - US index funds and growth investing

00:19:03 - Lloyd's current portfolio positioning

00:20:51 - Building a portfolio for income

00:21:28 - Why shares outperform for cash flow

00:22:37 - Shares Masterclass and final thoughts

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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 shares the story behind buying a $565,000 Ferrari with cash after more than two decades of investing, building businesses, and creating long-term wealth. This isn't a conversation about cars. It's a conversation about money, freedom, timing, and what happens when you stop collecting numbers on a screen and start living.

◼️ The investing journey that helped turn a childhood dream into reality

◼️ The mindset shift that changed Lloyd's approach to money, wealth, and success

◼️ Lessons on business, investing, lifestyle design, and creating meaningful experiences along the way

Timestamps:

00:00:00 - Introduction

00:00:39 - Why This Story Matters

00:05:19 - Starting the Investing Journey

00:07:05 - Business as the Wealth Engine

00:08:27 - Building a Million-Dollar Portfolio

00:10:21 - Investing in Individual Stocks

00:12:44 - Trust Structure and Portfolio Growth

00:14:40 - Funding the Ferrari Purchase

00:15:28 - Supercar Tax and Ownership Structure

00:18:17 - Asset Protection Considerations

00:19:44 - Ferrari Value Retention and Scarcity

00:22:10 - Running Costs of a Ferrari

00:24:30 - When to Buy a Supercar

00:25:27 - Entering the Ferrari Community

00:27:39 - Health Scare and Life Perspective

00:30:43 - Memory Dividends and Spending Money

00:31:45 - Deciding to Buy the Ferrari

00:33:25 - Taking Delivery of the Car

00:34:29 - Lessons on Success and Winning

00:36:00 - Ferrari as a Connector

00:37:55 - 20 Years of Compounding Wealth

00:38:31 - Money, Experiences and Final Reflections

00:39:10 - Final Summary

Follow Lloyd:

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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 explains why a disruption to global oil supply could impact far more than just the price you pay at the petrol station. From attacks on key Middle Eastern infrastructure to rising diesel prices, he breaks down how energy markets flow through to inflation, interest rates, food costs, and household budgets.

◼️ How disruptions to the Strait of Hormuz and Saudi oil infrastructure are affecting global oil supply and pushing energy prices higher

◼️ Why diesel is the hidden driver of food, transport, and inflation, and how rising diesel costs could impact everyday living expenses

◼️ The key economic indicators to watch, the potential effects on interest rates and markets, and practical ways to prepare your finances for a higher-cost environment

Timestamps:

00:00:00 - Introduction

00:00:46 - The Strait of Hormuz and global oil supply

00:01:34 - Iran conflict and disruption to oil flows

00:02:31 - Diesel crack spreads explained

00:03:15 - Why diesel drives food production and inflation

00:04:01 - Saudi pipeline attack and oil price surge

00:05:11 - Oil investments and growing fuel shortages

00:06:04 - Strategic Petroleum Reserve and US midterms

00:07:40 - How diesel costs flow into inflation and interest rates

00:08:21 - Why the oil supply situation could worsen

00:09:16 - Oil price suppression and political incentives

00:10:11 - Lloyd's portfolio positioning and market outlook

00:11:43 - How rising oil prices affect your household budget

00:13:01 - Preparing your finances for higher living costs

00:14:21 - Final thoughts and what to watch next

Follow Lloyd:

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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 tackles one of the most important questions Australian investors face: should you invest in the ASX or put your money to work on Wall Street? By comparing the Australian and US markets across decades of performance, he explains where each market has strengths, where they fall short, and how investors can think about building a smarter portfolio.

◼️ Why Wall Street has historically outperformed the ASX and the key factors driving stronger long-term returns

◼️ The advantages of investing in Australia, including franking credits, dividend income, and exposure to major mining companies

◼️ How Australian investors can avoid home bias, think globally, and make better portfolio decisions for long-term wealth creation

Timestamps:

00:00:00 - Introduction

00:00:39 - 10-Year Performance Comparison

00:01:00 - Why US Markets Outperform

00:03:20 - Australia’s Market Strengths and Weaknesses

00:04:47 - Mining, Banks and the ASX Structure

00:05:28 - Innovation and US Competitive Advantage

00:06:33 - Future Outlook for US and Australian Markets

00:07:10 - Currency Exposure and Franking Credits

00:08:55 - Book Promotion

00:09:14 - Diversification and Home Bias

00:10:53 - Australia’s Economic and Policy Challenges

00:12:25 - Commodities Outlook and Final Investment View

00:12:42 - Final Summary

Follow Lloyd:

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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 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

Follow Lloyd:

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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

00:01:40 - 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.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.