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Most people only react after a recession hits. By then, prices have moved, fear is peaking, and the best assets are already gone. In this episode, Lloyd James Ross breaks down the three sectors he’s positioning capital in before the downturn arrives, and why these industries continue to generate income even when the economy contracts.

You’ll learn:

◼️ Why healthcare demand barely falls during recessions

◼️ How oil and energy remain essential even when growth slows

◼️ Why railroads are one of the most durable, impenetrable business models in the world

◼️ The common traits these sectors share that make them recession‑resistant

◼️ How positioning early protects your wealth when unemployment rises and inflation stays high

Timestamps:

00:00:00 - Introduction

00:01:24 - Sector 1: Healthcare

00:02:42 - Risks in the Healthcare Sector

00:03:24 - Sector 2: Oil and Gas

00:04:50 - The Importance of Oil in the Global Economy

00:05:53 - Cost Position in Oil Production

00:06:45 - Why Invest in Oil Before a Recession

00:07:06 - Structural Constraints in Oil Supply

00:08:41 - Historical Dominance of Oil Companies

00:09:59 - Sector 3: Railroads

00:10:10 - The Efficiency and Importance of Railroads

00:11:59 - Common Traits of Durable Sectors

00:12:32 - Positioning Capital Before a Downturn

00:14:52 - Recession Rewards: Cashflow and Essential Services

00:15:25 - Conclusion: Growing Assets in Tough Economies

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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.

What does Bitcoin produce? No cashflow, no earnings, no yield. Its price depends entirely on the next buyer paying more than you did. So why are so many people holding an asset that produces nothing?

In this episode, Lloyd reveals:

◼️ Why Bitcoin isn't the investment you think it is

◼️ The difference between price movement and true value

◼️ Why blockchain technology's value doesn't make Bitcoin a good investment

◼️ The smarter, more predictable way to build lasting wealth

◼️ Why you should invest in assets that produce cash flow, not speculation

Achieve financial freedom and build lasting wealth 👉 http://moneybuyshappinessbook.com

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Timestamps:

00:00:00 - Introduction: What Does Bitcoin Produce?

00:01:14 - The Problem with Speculative Assets

00:02:49 - Blockchain's Value vs. Bitcoin's Lack of Utility

00:06:23 - Investing vs. Speculating: The Key Difference

00:08:43 - Why Warren Buffett-Style Investing Works

00:10:00 - The Power of Cash-Flowing Assets (Stocks, Businesses )

00:11:37 - Why the Speaker Avoids Gambling and Speculation

00:12:31 - The Importance of a Teachable, Repeatable Wealth Strategy

00:13:34 - Don't Bet on Lotto Tickets like Bitcoin

00:14:45 - The Durable Way to Build Wealth for Generations

00:15:53 - Final Thoughts: Stick to Fundamentals

Follow Lloyd:

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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.

Achieve financial freedom and build lasting wealth 👉 http://moneybuyshappinessbook.com

🔗 TAKE ACTION:

Get Money Buys Happiness book: http://moneybuyshappinessbook.com

Global fund managers, the IMF, and even Michael Burry are warning about the AI bubble. Yet billions are still pouring into companies like OpenAI, NVIDIA, and AMD despite unsustainable losses and circular financing deals.

In this episode, Lloyd reveals:

◼️ Why the AI bubble is coming

◼️ How circular money flows are propping up the industry

◼️ Why Australian investors with superannuation are more exposed than they realise

◼️ The parallels with past industrial bubbles like dot‑com and railroads

◼️ What this means for your portfolio and retirement savings

Timestamps:

00:00:00 - Introduction

00:01:14 - Understanding the Scale of the Bubble

00:02:49 - Circular Deals and Vendor Financing

00:06:23 - The Demand Problem in AI

00:08:43 - Historical Context: Industrial Bubbles

00:10:00 - Impact on Australian Superannuation

00:11:37 - Currency Risks for Australian Investors

00:12:31 - Economic Implications of the AI Bubble

00:13:34 - Concentration Risk in AI Investments

00:14:45 - OpenAI's Central Role in the Market

00:15:53 - Valuation Concerns and Market Adjustments

00:18:09 - Differences Between AI and Dot-Com Bubbles

00:20:24 - Strategies for Investors in the AI Space

00:22:43 - Final Thoughts: Protecting Your Wealth

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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.

Achieve financial freedom and build lasting wealth 👉 http://moneybuyshappinessbook.com

🔗 TAKE ACTION:

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In this new episode, Lloyd James Ross breaks down why MicroStrategy’s leveraged bet on Bitcoin is starting to unravel. You’ll discover:

◼️ How $17 billion vanished in just three months

◼️ Why Michael Saylor’s debt‑fuelled Bitcoin strategy is dangerously fragile

◼️ The domino effect that could trigger forced liquidations and margin calls

◼️ Why MicroStrategy’s collapse could drag Bitcoin down with it

◼️ What this means for investors watching the crypto market

Timestamps:

00:00:00 - Introduction

00:01:03 - Introduction to MicroStrategy

00:01:48 - Michael Saylor's History

00:02:31 - Understanding Equity and Liabilities

00:03:35 - Illustrative Example of MicroStrategy's Finances

00:05:00 - Impact of Bitcoin Price Drop

00:06:35 - Minsky Moment and Financial Instability

00:07:40 - Negative Convexity Explained

00:09:05 - The Risks of Leverage

00:10:07 - The Ponzi Scheme Allegation

00:11:53 - The Consequences of Debt Maturity

00:12:56 - Forced Selling and Market Impact

00:14:09 - Theoretical Collapse of MicroStrategy

00:15:57 - Bitcoin's Independence from MicroStrategy

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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.

Achieve financial freedom and build lasting wealth 👉 http://moneybuyshappinessbook.com

🔗 TAKE ACTION:

Get Money Buys Happiness book: http://moneybuyshappinessbook.com

In this episode, Lloyd reveals why the Reserve Bank isn’t cutting rates as many expect, and why hikes are coming instead.

◼️ Why inflation isn’t dead

◼️ How higher rates will blindside homeowners

◼️ The impact on property prices, consumer spending, and the Aussie dollar

◼️ Why investors need to understand the link between rates and asset values

◼️ What can be done right now to protect against the coming squeeze

Timestamps:

00:00:00 - Introduction

00:01:00 - Current RBA Cash Rate and Inflation

00:02:00 - Market Reactions and Economic Forecasts

00:03:00 - Impact on Homeowners and Consumers

00:04:00 - Consumer Spending and Inflation

00:05:00 - Effects on Investors and Asset Prices

00:06:00 - Australian Dollar and Capital Flow

00:07:00 - Economic Changes and RBA Justifications

00:08:00 - Common Misconceptions About Rate Cuts

00:09:00 - Staying Informed on Economic Trends

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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.

Achieve financial freedom and build lasting wealth 👉 http://moneybuyshappinessbook.com

🔗 TAKE ACTION:

Get Money Buys Happiness book: http://moneybuyshappinessbook.com

Trump’s Venezuela takeover has changed the energy game.

In this episode, Lloyd reveals how this geopolitical shift creates one of the biggest wealth opportunities of the decade:

◼️ Why Venezuela’s oil reserves suddenly matter again

◼️ How Trump’s energy policy changes the global game

◼️ The one company already on the ground, ready to profit

◼️ Why Chevron’s integrated model makes it untouchable

◼️ How Warren Buffett’s portfolio signals where the smart money flows

◼️ The risks investors overlook, and why Chevron can absorb them

◼️ Practical lessons on positioning, incentives, and structure to build lasting wealth

Timestamps:

00:00:00 - Introduction

00:01:14 - Why Venezuela Matters Again

00:02:07 - Trump's Energy Strategy

00:03:30 - The Race for Oil and AGI

00:05:05 - U.S. Control Over Venezuela

00:06:12 - Chevron's Historical Context

00:07:39 - Chevron's Position in Venezuela

00:09:56 - The Oil Refining Process

00:10:17 - Chevron's Integrated Business Model

00:11:00 - Importance of Oil in Daily Life

00:11:45 - Chevron's Financial Strength

00:12:45 - Heavy Crude and Refining Challenges

00:13:11 - Market Dynamics and Oil Prices

00:14:24 - Cash Flow and Shareholder Benefits

00:15:40 - Risks Involved in Oil Investment

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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.

Achieve financial freedom and build lasting wealth 👉 http://moneybuyshappinessbook.com

🔗 TAKE ACTION:

Get Money Buys Happiness book: http://moneybuyshappinessbook.com

The entire 2026 money plan…explained fast.

Lloyd covers your magic number, cash‑flow tracking, cost cuts, ETF compounding, and the disciplined behaviours that build a repeatable wealth system.

◼️ How to calculate your magic number so you know exactly what you’re aiming for

◼️ The cash‑flow habits that free up money to actually invest

◼️ The simple ETF strategy that compounds your wealth year after year

Timestamps:

00:00:00 - Introduction

00:01:18 – Step 1: The Magic Number (your wealth target)

00:03:40 – Step 2: Tracking Cash Flow & Cutting Costs

00:06:55 – Step 3: Investing Simply with ETFs

00:08:33 – Building a Repeatable Wealth System

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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.

Achieve financial freedom and build lasting wealth 👉 http://moneybuyshappinessbook.com

🔗 TAKE ACTION:

Get Money Buys Happiness book: http://moneybuyshappinessbook.com

The entire game of investing…explained in 60 seconds.

Lloyd reveals the 3 rules that separate wealth builders from everyone else. Watch to the end.

Timestamps:

00:00:00 Introduction

00:00:11 - Rule 1

00:00:22 - Rule 2

00:00:33 - Rule 3

Follow Lloyd:

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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.