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In this episode, Lloyd reveals the five money secrets millionaires use that most people never learn. These aren’t hacks or shortcuts. They’re the quiet, disciplined habits that build real wealth while everyone else stays trapped in the system.

You’ll learn:

◼️ Why cashflow matters more than a high income

◼️ How wealthy people use debt differently from everyone else

◼️ Why assets come before lifestyle if you want freedom

◼️ How millionaires leverage time instead of trading it

◼️ Why long‑term thinking beats every short‑term strategy

Timestamps:

00:00:00 - Introduction

00:01:03 - Secret 1: Build Cashflow, Not Just Income

00:01:34 - Secret 2: Avoid Bad Debt

00:02:26 - Secret 3: Buy Assets Before Lifestyle

00:03:20 - Secret 4: Value Time Over Money

00:04:24 - Book Promotion: Money Buys Happiness

00:04:34 - Secret 4 Continued: Automate, Delegate, Systematize

00:05:06 - Secret 5: Think in Decades, Not Weeks

00:06:08 - The Boring Truth About Wealth Building

00:07:01 - The Importance of Discipline

00:07:32 - Conclusion: Knowledge Applied Consistently Over Time

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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.