So you don't have to overthink it, you don't have to be super creative. But the most important
Because you can't sell a secret. You have to definitely have something that's of value to
them. What they'll be saying is what's in it for me, right? And the fastest
way to get what's in it for them is to give them money. Financial independence
is so close to so many people. It's just like that. Let's just do the step and get
the freedom today. Let's just do it now. Simple scales, complex fails.
There's probably nothing stopping you from having financial freedom and independence with
I'm Lloyd James Ross, seven-figure investor and entrepreneur, and I've helped
thousands of business owners and professionals turn financial stress into
success. If you're stuck in old money habits, overwhelmed by investing,
or unsure where to start, this is for you. I'll give you the mindset
and strategies to take control, grow your wealth, and achieve
financial freedom. It's time to make your money work for you.
We are live! Welcome to our brand new, fun,
exciting segment called the Wealth Hotline,
where we take live calls from the public
about a particular topic when it comes to their money, business,
mindset, everything to do with their wealth building. So
I'm excited for this segment. It's the second time we've done this now. And
each month we're coming here to do a live calls with people. Today we've got
five lucky contendants that have, they've thrown
their hat in the ring, so to speak, and they have questions for us. So
super excited to help them today with whatever questions they have around their
wealth. It's gonna be super exciting. We wanna make sure that we're educating them
and we're helping them to, and coaching them to make their own
best decisions, all right? Let's get to the first person.
This is going to be cool. So I'm going to hold my phone to the mic and
make sure you can hear this, right? Let's go to the first caller.
Let's do this. This is Caroline. Here we go. This is
a bit of roulette because sometimes you don't know if they're going to answer. Caroline
Lloyd, you got my Australian mobile, excellent.
Yes, you're on the world hotline and I've got your Australian mobile
Yes. I wouldn't be doing a very good job. No,
that's okay. I think you're doing a wonderful job of being easy to contact, so thank you.
This is a fabulous opportunity,
so I really appreciate it. The last time you put it out there, I
was just reluctant only because I thought there might be other
people more deserving or whatever, but this time having seen what you
There you go. I love it. Thank you for throwing your hat. I'm excited for you to throw your hat.
I'm trying to work out where I'm at regarding what to do with my
cash. I have a fear about putting all of this cash into investments
given that I have still property, which
is mortgage. So I'm looking, you
did ask me when we last interacted and
I've been in Newcastle, I'm in Newcastle, I'm sorting out
What is your underlying like core question that
you need answered? Like what is on your mind? What
I think it's validating, I've sort of worked out one
approach, it may not be the only one, but I've worked out
one approach with my cash. Because
it's not a case of I can't hold on to cash. I'm worried about
putting it in stocks and shares, not going up for
Got it. Okay, so you're wanting to know how to deploy your cash
to grow your wealth, yes? Yes. Okay,
Some of that will be potentially buying my mother's apartment,
Sure. We have all these options. So
we have on the options for cash, we have do nothing and leave it in
an account. We have put into a term deposit and get some returns.
We have pay off debt. We have keep
properties and pay off debt. We have perhaps investing in some other assets
So my question to you is, irrespective of the size of the cash, What
is your overall objective? What do you want to achieve financially?
Well, it rolls into one, but it's in
two parts. I'm in a situation now
where if I use my money sensibly, I
can be reasonably comfortable, but that
intention is I'm not at the moment rich
enough to be able to do whatever I want. But the nice
thing about being reasonably comfortable is I can now create
another business and involve other people
without having so much concern about my security,
It's working out the
method for paying down some of these mortgages.
I've taken on board your comment about potentially
Okay, so let's look at it like this. You've got, how
At the moment, there may be some calls on it, but in the UK
Pounds. Okay. Roughly,
Okay. So let's say there's say 200K Aussie and there's about, so
you probably got around 800K total or 700K Aussie. Yeah.
Okay. So how much debt do you have in total off
My UK properties, it's 500 and
just looking at
Okay, so let me ask this question. How many properties do you
Sure, so you got five total yeah five
total Okay total
properties how many total properties do you own and how
Okay The
Perfect. Wonderful. Excellent. So let me
ask this question. What is preventing you from just paying
off all the debt of those properties and having them all debt free and
trying to work out what the best way of using
Well, that's what I'm, what I'm suggesting. So my question to
you is though, if you've already got the properties that
already producing income, you've already transacted them. What's
preventing you just paying off the entire balance of the debt and have
them all debt free or producing passive income to you. So
Uh, Because I'm looking
at buying my sister's half of my mother's apartment. So
Well, I'm getting valuations at the moment, but I guess is
I may have to pay her eight or
So is your objective to just accumulate properties
The latter. I'm trying to put in
some backup plans because things are not good
Sure. Okay. So you want to diversify your real estate holdings
So what would prevent you from selling one of your properties over there
and adding it to your cash and buying the
Well, that's what I'm looking at at the moment, as well as paying down
What's interesting, Caroline, about your situation with six properties with
only 550 odd thousand pounds of debt on it
with all your cash too, is that you
have the ability now to
have probably four
of them. fully paid off and unencumbered if
you include the Australian one. So you can potentially sell two
in UK and use the cash
to buy the one here in Australia and you'd have to pay off the debts. But you
have the opportunity now with your cash and your equity
in your portfolio to actually own probably four of
them outright. And so you're actually
like a breath away from financial freedom. Like
you're one decision away. And I think what happens
to people is they get confused thinking they always have to invest in some other
asset class. Like, I have to invest in shares. I have to know everything about everything.
I have to invest in gold. I have to invest in... You don't have to do everything
and anything. You could just... Like, real estate's a very solid asset,
particularly if you're looking at real estate in major Western
countries, right? So there's probably nothing
stopping you from having financial freedom and independence with just a
paid-off property portfolio. Like,
I'm not arguing with you. It's
just because I've spent a lot of my life having
And at times you don't have someone to bounce ideas
Therefore, having a backup, I
can see that since two of my, or all
my rental properties I hold in a limited company,
they were bought with a director's loan so that all
the income can for 10 or 20 years
So the only other thing I was going to
say is one of the benefits I've had from doing your course, apart
from looking at things with a different hat, is because
the properties are owned by a company, I can own
them up until I think I'm 80. I've got another 10 years
before I'm forced to pay off mortgages. So
I realized that I could, for example, for one of
them, pay down 70. So
I'd have the current repayment would be interest
Yeah, but I think you're complicating it. I
think you're complicating it. Like if the roles were reversed, I
would, apart
from this one you want to buy, you're just in a position where you can be debt
free off on six properties. Like it's
one decision away. So
I think it's like, that's why I asked at the very outset of the call, what's the objective?
And a lot of people can get carried away with objectively just building empires
for the sake of empire building without a real clear understanding of
what they're trying to actually achieve with their life. So that's why, that's
why the question is what kind of life do you want to live? Not how many properties do you
want? So it would be what if with one
fell swoop, you could pay off pretty much all the debt of all
the properties, perhaps tuck away a bit of extra cash for, for
emergencies, et cetera. But all the income from those properties with
no debt on them will provide you enough passive income to literally live a life
of Riley around the world now. Today?
I'm not taking that on board yet. It's the latter bit. Is
Well, if you had your home paid off and
you had five properties debt-free producing income, how
Well, that's what I'm just sort of net. I'm sort of working
I haven't done it for the paid off. At
the moment, let me just look at the table
Here's what I would suggest to you. Here's what I would suggest. I
would suggest looking at how much passive net
income, so net income means after costs of running the property, so
the operating costs, how much net income after
tax goes into your pocket on a
weekly or monthly or annual basis without
any debt on those properties? And if the
answer is, well, actually, that's pretty much like a full-time salary, you're
literally living like the 1% of the 1% of the 1% of the world. and
you can then start to really decide on how do you want to actually live your life. Now,
that doesn't mean you have to stop working either, by the way. You can do both. You
could have passive income coming in plus keep working, but you have
a choice then to really work on what you want to work on. And
I just, I don't think you need to complicate it
that much because you've done all the hard work already. Like
to have a home paid off and potentially in a
breath have five other property investments paid off producing passive income.
You're in a seat that you're the envy of the world and
your mindset might be stopping you from just making that decision because perhaps you're
I hear you. I'm not going to throw anything back. I'm listening to you.
This is why I don't do it. Sure. Yeah.
This is why you called in. No, no, totally. Because
people sometimes call into me or talk to me and say, oh, Lloyd doesn't like property. Of
course, property is an effective asset. It produces cashflow, grows
in value of time. I just don't like overpriced property. Like
anyone and I also don't like big mortgage debt and like I don't I
like optionality So I just think about your situation think
god, you've got all these properties. You've paid the transaction costs already. They're
already in place They're already producing income. You've got this
cash. I mean you eliminate the debt You've got no debt
on a fully risk for like, you know, there's no debt risk no financial risk
and then you've just got You're passive income tricking and
you've got multiple doors. So you've got multiple properties. So
it fortifies the income, it's diversified across multiple properties. You
don't have any home mortgage debt and you're at an age where you can keep working and have
both. And I really do think that your decision to
where to deploy the cash, it doesn't have to be complex. right?
It's just where's the most, where's probably the most obvious place
to deploy it to get the life you want. And if, if I know where
that is, and if I were your, your age and where you're
at with everything, I think you're just so close to having financial freedom. So I
would say to you this, to finish the call, look at the amount
of income you can make with debt free properties. And
Make the decision of where to deploy the cash based on what is the safest, fastest,
most effective route to getting passive income for the rest of your life. And
take the path you understand. You don't have to play in games you don't understand just
because. And
if the income is not enough, then keep working until it is enough. But
I would argue that
if you can't live a nice life on no
mortgage debt and five paid off property investments, then
perhaps you just need to bring your lifestyle. Yeah, it'll be a lot. And I think you're
there. So I would say to you, go check out the numbers. And
then when you get to the number, shoot me a DM on Instagram, whatever it is, and just
Okay. Home mortgage, 1.97% interest. So
really to pay that off when I've got another two years at that rate.
Secondly, what I learnt from you is I could pay 18 down on
a property and invest 40. And in 10 years, when I
have to redeem the mortgage, I can come out with 8% interest
at 102,000. So, you know, I can
pay less down if I use some of the investment strategy, as
long as it works. That's why I'm being careful and trying to
Well, it just means you've got to learn a whole new landscape. That's
all it's all. And, and, and what's very tricky at
the moment is how do you deploy large amounts of cash into any market?
See, when you, when you pay off debt with cash, it's
an guaranteed riskless investment. Because
paying off debt, your return on investment is the debt. You
don't have to pay the cost of the debt, right? So it's an absolute guaranteed return
when you pay off debt. Whereas when you're going into, say, the markets, you've
got to remember that it's a very richly valued market. And
it's tricky to deploy half a million pounds, whatever it is, into that. Because
what if the market goes sideways for 10 years, collapses? The
best way to invest in alternative assets or even
stocks, if you've got lump sums, is to actually dollar cost average
You could. I
don't know if you have to because the entire objective
of investing is to get enough passive income to just not work again, as
far as I'm concerned. So you're just so close to that. Now,
if you happen to, for example, have 1.95% of
your mortgage, you don't want to put your money there because it's not a high return on investment of
the debt. Perhaps even a high interest account
of some sort would be better at 5% because it's better than a mortgage of 1.9%. So
just something that's that it doesn't have to be
risky, but something that's going to compound more than 1.9% would
be fairly appropriate. But once that term expires
and the interest rates trigger back up, you will want to pay the
debt off because the interest rate will be higher. So I think just optionality
Got it? So I can't say to you, Caroline, go
and put your money in this stock or that if I can't give you the financial advice. But
what I can say is, I don't
think it has to be risk assets. I don't think it has to be complex. I don't think it has
to be anything but probably pay off the high interest debt
as soon as possible and
sit on the cash in a high interest term sort of account for a while until the other mortgage
kicks up a gear and then pay it off. Or you could just pay it all off
now and just get it over with and live your life. You
know, I just think it's that close. So here's my suggestion. One,
figure out the amount per year coming in from the debt-free properties. Okay.
And then once you do it, send it to me on Instagram. I want to see what it is. Okay.
That's your task. Cool. All right. No worries.
There you go. Interesting, isn't it? Keep
things simple. Simple scales, complex fails. You
don't always have to... God, financial independence is so close to
so many people. It's just like that. Let's just do the step and get the freedom today. Let's
just do it now. It's almost like people are afraid of
that sometimes, which is normal, because it's like, oh my God, I actually have the
thing I really wanted all this time, freedom. Oh my God, I'm scared now. What do we
do? Because it's a very unknown area, right? So, I mean, so
cool to see Carolyn. She's so close to freedom. She's there already. I mean, it's pretty simple
stuff. But hey, paying off debt at a time when
debt is quite getting more expensive as well, in
many cases from what it was, it's a pretty good return, right?
Like, last time I checked, you can't go broke with no debt. Okay,
let's do another one. Let's go Kirstie now. We'll give her a call here. See
if I can copy.
So these will typically go for 10 minutes. That one was a bit longer. That
was a bit more protracted, but let's go for Kirstie here. Let's
see if she answers. Just quickly, if you're ready to take control of your
finances but feel stuck on where to start, I have a solution. My
book, Money Buys Happiness, simplifies investing and
wealth building with practical steps to help you achieve financial peace.
Get your copy via the link in the show notes and let's get your money working for
you. Now back to the episode. Here we go. I wonder
what the question's gonna be here. Kirstie
I'm trying to do quiet naptime sort
Oh no. Wonderful. Excellent. Put
Marvelous. So we're on the Wealth Hotline and so
On my mind was how to bring
value, I guess, as like, I'm
not exactly a fresh startup, but I do pet for keepsakes. And
I'm like, how do I bring that as a value perspective to someone
like yourself or a person of influence to get the word out there about the
Yeah, as in like family pet
passes and they keep a bit of fur and I can set them
So when the pet passes away, you give keepsakes. Okay, that's
Excellent. So the question is how do you build a brand around it
What I would really like to do is to reach out to people to obviously
build endorsement and awareness about the brand. At
the moment, locally is
where I've started with it, is to go and approach vet clinics to
then get referrals for their clients. I'm like, okay, I need to
think bigger than that and more outside of the box than that. How
can I approach famous
people, for want of a better word? Yeah,
to sort of build my brand awareness but also to give back to them because
I donít want to just go, ìOh look, this is a cool thing. Would
So how many do you sell products? Do you sell a specific amount
Theyíre very sporadic. Some months could
Ideal customer is probably dog owners or
horse owners. Horse owners are helpful because they're
large animals and they're very hard to, you know, cremate.
Okay, cool. So they're the specific animals that
people become attached to the most, like a family member? Okay,
cool. So how do you get your keepsakes in front
of more people? So I think it's a matter of, you're
already kind of doing it with the vets, but a couple of things I would
do. Firstly, I would be
blogging and posting on Instagram every single day. You're
Okay. So I'd be doing, I'd be aiming for at least two posts a
day. Yep. And what I would be doing too is I
would be, I'd be learning the
ins and outs of Instagram and I
would be, uh, I'd be doing a
different variety of content, but more often than not, it's just
documenting your journey with your business. Okay. So don't
have to overthink it. You don't have to be super creative, but the most important
thing is people know you exist because you can't sell a secret. And
so the idea of the Instagram would be over time you
would want to be doing like collaborative, like
shareable content with the vets via their own Instagram account so
that it's going to their audience. So if I think about
all the partnerships you want to create, you'd want to create partnerships with
people like pet angels who come and collect your pet when it passes away.
And pet angels have their own keepsakes, but at the same time, you could definitely partner
with them for things they don't provide. And, and
there's more than just pet angels that would do that service. So it's those
services, it's definitely vets, but you could specifically
partner with the type of vet that has a large Instagram following and
database. And what you'd want to do is you'd want to incentivize them.
So you either pay for placement or you give them certain things
for their audience that they value. So you don't, so, so you actually like
Right. I thought it was hitting a bit of a wall. I'm
like, I don't want to just cold message without a
Obviously, it's got a purpose for me, but for someone else, what are they getting
out of it? Yeah, so you can cold message and how you would do it
would be, you would start with $200 per referral
in the top message in a DM. So they know
they're going to get paid for whatever it is they're about to look at and read. And
you can literally just start the sentence with that. And then you could, you
could just DM them and say, Hey, this is, I have keepsakes. I'm looking to collaborate. I'm
open to paying for collaboration and shout outs and, and,
and cross-pollination of audiences. Is this something you're open to? Would
you be open to, I do this. I'm looking to build my business. I
want to work with local vets. You caught my attention because of these reasons. Would
you be open to a collaboration? That's a win-win outcome. Because
people aren't going to be closed off to a win-win outcome. They're going to be open to it,
right? No one's going to say, no, I'm not interested in a win-win outcome. But when
it comes to yet, when they say, yeah, I'm open, you have to definitely have
something that's of value to them. Because what's of value to you
is their audience. And so what they'll be saying is
what's in it for me, right? And the fastest
way to get what's in it for them is to give them money. That's
the five, like, I'll just give you money. Right. So you got to, you could start there.
And as you start to evolve this and have more conversations, um,
you may want to actually then decide, well, actually I've got this in it for you.
So there'll be other things you can provide that that might not be
money, but at the outset, it's going to be money and
what you'd want. Yeah,
totally. And so you can literally DM every
vet that's in Australia on Instagram.
And DM them on LinkedIn too. I don't know if Vets might
be on LinkedIn as well. But they're definitely going to have Instagram accounts for their own business. They're
probably maybe going to have Facebook account, but Instagram is easier to get in touch with them.
And possibly LinkedIn, right? And
But you don't have to be there and physical in person to give you
Fine. So it can be everywhere because a Zoom call
is as good as a meeting. But referral partnerships is
one form of marketing. What you want to look at from your Instagram is
you want to probably find a couple of reels that work well. So
when you're putting content out, watch for the content that really hits
home to get a lot of followers. And those
that work well, all you would probably want to do in the first instance
is start paying and hit the blue button that says boost and boost for followers
for that particular reel that you did. And as people are
coming in and following you, you want to hit the follow back button and then you
want to actually have a conversation with them in the DMs. Got
it? So yeah. So, and one of the things you
can do is like, you can also follow the pet
accessory pages. because all your perfect
Potentially pet food, depending on what kind of pet food it is. Dogs obviously
is one that you want to go for. And if you just went and
And so you can actually like, you can start
to DM and follow some of those key customers, particularly ones that have,
you know, a few hundred friends on their Instagram. And you can start to
have conversations with your customer. Right. And
they'll find your page and so forth. Now, when their dog passes, they might see
you, but what will happen is you'll start to attract that followership to
your Instagram account. And then as you start to
boost more of your stuff and advertise your product range, you
can very much like you can select your audience. And
what you will want to do is have a specific reel for
one product that is your best selling product and have a
link for them to actually go and buy it. So
you could do a reel that's selling your best keepsake and
have an ad that's crafted to hit an audience where they've just lost a
dog. And you can literally pop
up in front of their feed with that ad and either have it
click a link to go buy your thing or click follow to follow
here. And you can have a conversation in the DMs. But paid ad
strategies to a specific audience targeted
for a specific time for a specific thing. is
the power of paid traffic, and you need to harness it. But at the same
time, you're building your Instagram account organically, you're looking at
what works, you're testing different content, and then
one that hits, do an ad around it, pay the money to target your
audience, get them to come in, buy your keepsakes. And that's probably
the fastest way to build customer acquisition. Meanwhile,
Yeah. I guess
I targeted that mostly because they would be
They're referral partners. So they will send
you consistent, hopefully over time, consistent customers. But
you can also target people who literally have just lost their pet today in
You just put an Instagram ad together. If
you go to Udemy, have you heard of Udemy? Udemy, U-D-E-M-Y.
Go in there, get a course for cheap on how to craft
an Instagram ad. Watch it, then
go craft an Instagram ad to your perfect audience, to
your best keepsake and see if you can make a sale. Yeah.
Right. Beyond that, there's things about you can do with your landing page, where
they're going, et cetera, et cetera. There's more to it than just that. But
with, try just with Udemy, craft the ad on your Instagram and
But there's lots to it, right? There's branding over time, content you've got to put
out each day, do your referral partnerships with your vet, but at the same time,
do a small paid strategy. But the most important
thing is that you have to understand that this is going
That's just how it is. Got
Totally. Yeah, absolutely. So go do that. Yeah,
absolutely. Just stay with it. Go and keep testing these things. Also,
last bit, find an account that's already marketing keepsakes
like yours, perhaps in a different country like the United States, and
model exactly what they're doing. Clone
them. How they
post, you post. Model their ads. Model their organic
feeds. Ask them questions. Model their whole setup. Model
their landing page. Funnel hack them. Instagram hack them.
Literally just model them as close as you can. That's probably one of the best things you can
Bloody marvelous. Thank you for calling to the Wealth Hotline. It's been awesome chatting with
you, Kirstie, and good luck, and you're going to smash it. Thanks so much, Lloyd.
Bye-bye. There you go. Pretty
tricky one, that one, because there's so much to Building
a business. But you can't sell a secret. So I
think a lot of people don't realize you've got to document what you're doing on
social media. It's the biggest notice board in the world. And you can't
sell a secret. You've got to be on there. You've got to be documenting, paid traffic, referral
partners, bit by bit, each day, each day, each day. Yeah,
what are the comments? We've got comments. Come on. Come on the comments. Here
we go. G'day. How are you going? Get
a bloke up your mouth. We run a
home dog room biz. Both of us work full time. Cool revenues. Wow. Wow.
That's so good. Revenue five to six K a week. Current
expense is $300 a week. That is so good. Looking at a
shop, $800 a week rent. How
do we judge if this movie is financially viable and sustainable? That's a really good
question. Get a bloke up
here. Home, dog grooming, biz, both
work full-time. I'm assuming you're working full-time
on the business. So you're making five
to six grand a week on $300 a week. So my question is
why, why, why do you need a shop? And if
the answer to that question is because we want to separate our business from our
home, we feel like we can charge more if we have a place, we can find
efficiencies by having a workplace, etc. If
that's the case, then you've got to understand, is
the 800 a week, is the juice worth the squeeze? And does the 800 a
week eliminate the 300 a week, or is it 800 plus 300, so it's 1100? Looking
at the margins of the business, the business can easily – I don't understand
the other cost but it looks like it's only 300 bucks. So you're probably netting 5 grand
a week. You can easily afford a shop
for 800 a week. You can. But you've got to make sure what's the objective.
Is it just so you can say you've got a place of residence or is it actually going to create efficiencies
that are worth more than 800 a week? So if you can earn more
than 800 a week, you can either put your prices up, you can build efficiencies, you
can leverage more, you can build better, like whatever
it is, it's got to be worth more than 800 a week. Otherwise,
stay where you are, right? So judge it
like that. Would the juice be worth the squeeze? But from all
accounts of what you give me here in the comments, the
business can handle it. Does that make sense? And it's
also tax deduction. Anyway, that's a cool question. You can't
sell the secrets of teaming, create partnerships. This must be Alicia. This
is my amazing wife. This is why you got to marry well. That's the best advice I
can give you on money. Marry well. Think about it for them. She's on there. All
right, that's it. Cool. That was a fun one. We got a little time left
here. We got time for one more, huh? Two
more. Okay, let's go. What do we got? Next person. That
was a fun one with Kirstie. Go, Kirstie. That's awesome. Okay, let's call Mark here.
Your call has been forwarded to voicemail. The person you're trying to
reach is not available. Same. At the tone, please record your
Joseph, Lloyd, you're on the Wealth Hotline, my friend. Anyway,
we've phoned you. You may have been held up. So just
leaving you a voice message to say, hey, perhaps next month, if you're free, we can jump on again.
But shoot me a text back when you get this, and I'll talk to you soon. Bye. That'll
be it today for our Wealth Hotline. We've done three good questions
there. The other two guys, they're incapacitated at
this present time. So that's what happens if you do it at lunchtime. Everyone's at work,
right? So anyway, look, here's what we do. With the
new Wealth Hotline, this is how it works. Every month, I
send out a little invitation to our Telegram channel. That's LloydsTelegram.com. Also,
if you follow me on Instagram, there's an Instagram broadcast channel there you can follow.
I put it in there as well. And then potentially to specific people
back on our database and in our Facebook group, which is Money Buys Happiness. So
if you want to call in for a call about anything related to wealth, obviously
you heard some business stuff there, some money stuff, investing stuff, whatever it
is, you're welcome to call in. We just do this once a month for
an hour a month. All right. And each call typically goes for 10 minutes. You're
welcome to ask the question. So if you see that go out, you
can actually call in and hive high value calls, right? That
can change the future for you. So I hope that makes sense. Hope
you've enjoyed it. And thanks for leaving the comments. It's great to get some interaction there in
the comments. If you've got any questions or other comments, pop them below. I'll
come and reply to them. And I look forward to doing this again, live next
month. The Wealth Hotline, let's go. See you soon. Thanks for
listening to Money Grows on Trees. If you enjoyed the episode, leave a five-star
review on Apple Podcasts and Spotify and subscribe to
us on YouTube so you never miss an episode. And if you're serious about building
wealth, make sure to check out the links in the show notes and follow me on
all social media platforms, at LloydJamesRoss for