In this episode of the Money Grows on Trees podcast, host Lloyd James Ross discusses financial transformation and the importance of changing money habits. He shares his own journey from debt to financial freedom, highlighting the impact of small daily expenses, like coffee, on long-term wealth. Lloyd emphasizes that money is not evil but a tool for achieving one's life goals. The episode features a special guest, an elite student from Lloyd's mentorship program, who shares their inspiring real-life story of overcoming financial stress and implementing strategies for wealth growth. Tune in to learn valuable mindset shifts and actionable strategies to take control of your finances and achieve financial success.Want to achieve financial freedom and build lasting wealth? Get the strategies you need—grab your copy of Money Buys Happiness today: http://moneybuyshappinessbook.comFollow Lloyd:https://www.instagram.com/lloydjamesross/?hl=enhttps://www.linkedin.com/in/lloyd-james-ross-87818129a/?originalSubdomain=auhttps://www.facebook.com/5stepstomillions/https://www.tiktok.com/@lloydjrosshttps://x.com/lloydjamesrossTimestamps00:00:00 - Introduction00:00:25 – Money isn’t bad—it’s a tool.00:03:14 – Tough times were self-imposed.00:07:57 – Terrified of retiring broke.00:09:43 – How do I avoid dog food?00:14:41 – What have I got to lose?00:16:22 – Hard choices, big breakthroughs.00:18:30 – Pay yourself first.00:21:40 – At peace with money.00:25:09 – Money is good—it’s about your relationship with it.00:27:42 – Do your audit—it changes everything.00:31:17 – It’s not results, it’s attitude.00:32:18 – Proud you kept showing up.

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