Podcast

#366 - BECOME TIME RICH with Lloyd J. Ross

I'm excited to bring you today’s conversation — one that I know will deeply resonate with so many of you.

Have you ever felt like you’re stuck on the hamster wheel — running, juggling, hustling — yet still feeling like you never have enough time?

That constant pressure to do more, earn more, achieve more?

Well, what if I told you there’s another way?

In this episode, I chat with Lloyd J. Ross, author of Become Time Rich, who has made it his life’s work to intentionally step off that treadmill and design a life filled with freedom, peace, and true wealth — not just financial, but time wealth.

Lloyd’s story is fascinating.

From starting out as a lawyer to moving into property development, entrepreneurship, investing, and ultimately creating multiple income streams, he shares how he discovered that freedom is far more valuable than simply chasing money.

And how living intentionally allowed him to design a life where he works when and how he wants, enjoys time with loved ones, and builds businesses that work for him — not the other way around.

In this episode, you’ll discover:

  • 🌿 Why true wealth is about owning your time, not just your bank account.

  • 🌿 The three types of leverage you need to scale your income and your freedom.

  • 🌿 How even small steps — like one hour a day — can lead you to your dream life.

  • 🌿 Simple mindset shifts to move from overwhelm to empowered action.

If you're ready to break free from the constant busy-ness and start building a life you love, this episode will give you the tools, the mindset, and the inspiration to get started.

As always, I’d LOVE to hear what resonates with you from this episode and what you plan to implement after listening in. So please share and let’s keep the conversation going in the Dream Life Podcast Facebook Group here.    

Have a wonderful weekend 💛

Dream Life & kikki.K Founder

SHOW NOTES:

  • Lloyds book, Become Time Rich
  • Invest in our Online Digital Course - where I'll guide you through identifying your Values and so much more. Self-paced program with 47 video modules. Learn more here...
  • Follow me on Insta and TikTok
  • Join my Platinum Coaching Program (NEW Member Trial offer - save $200!) - where in July our focus is on Creating a Life of Freedom: Reconnecting with what freedom means to you - taking small, empowering steps to create it.
Learn more here.
  • Join my virtual book club GROW for July where we meet weekly on Zoom to discuss and squeeze the learnings from great books. This Jully we're reading Make Money Easy: Create Financial Freedom and Live a Richer Life, by Lewis Howes. Align your financial goals with your Meaningful Mission to achieve lasting abundance and prosperity, from the host of The School of Greatness. NEW Member trial offer - just $9! Learn more here

RESOURCES:

TRANSCRIPT:

[00:01:24] Kristina: Hi there, and welcome back to Your Dream Life podcast. I'm Kristina Karlsson and I'm so excited about today's episode because we are diving into a topic that affects so many of us feeling. Species, that constant hustle, the overflowing to-do list, the go, go, go pace that leaves us exhausted and somehow still not where we want to be.

What if we could flip the script? What if we stopped being [00:02:00] busy and started becoming wealthy in time, energy, joy, and money? My guest today is someone who's done exactly that.

Lloyd Ross, author of the powerful new book, become Time Reach. He's passionate about helping people Break free from that rat race. Live intentionally and create true freedom. This episode is for you if you're feeling a bit stretched, but also if you crave more space for what matters most. And if you are ready to reclaim your time and your dream life and create freedom, whatever that means for you. In July, inside my Dream Life coaching program, our theme is freedom.

Freedom to choose, create, and Live Your Dream alive. So if you love this conversation, I would love for you to join us. You'll hear more about it at the end, but [00:03:00] for now, let's get inspired and let's get started.

 well welcome Lloyd. I am excited to have this conversation with you.

[00:03:13] Lloyd: Yes, I'm excited too. Thanks for having me on the show. been excited to jump on and talk to you about what it is we're gonna talk about. So yeah,

[00:03:20] Kristina: Yeah, I'm super excited. I spent the weekend reading your book, which I loved because having a day and having that luxury of just reading one book in one day, I absolutely love that. We are gonna talk a lot about your book, but before we do, I wanted to ask you a question. Did you have a dream as a child, something you wanted to do or become or have?

[00:03:44] Lloyd: I think as a kid. I had remnants and little pieces of dreams of playing basketball when I was probably in grade six or eight. but I think as I got older, I really, I really had a dream of. Of working with my dad. uh, that was kind [00:04:00] of what I always wanted to do. I didn't know how I was gonna do that, but I envisaged that happening.

I never really knew what I wanted to be when I grew up, that's for sure. So I never had like that clear career dream that some people seemed to like be, come outta the womb knowing. Um, so I wanted to work with my dad and I read, I think it was in Chicken Soup for the Soul. where this guy talks about all the things that he ticked off in his life, it was like a checklist.

And I remember seeing that one day thinking, I want to just have a checklist like that. And I guess I've created my life around that vision that I cast in that page, in that book. So that's probably my dream.

[00:04:40] Kristina: And you made a dream come true by, um, working with your dad as well.

[00:04:45] Lloyd: Yes, a hundred percent. I, I did, I mean, I, that happened as well.

I, I must say, I think I've ticked off most of the things that I've always wanted to tick off outta that list. I've done some things in my life that I've just looked back on, like I'm 41 and [00:05:00] I've lived a really juicy life and done most of those things.

So I think I've really ticked that, those boxes and I. If you followed me around on social media for the last 10 or 15 years, it would just annoy you as the life that I've been able to live because of that. And I think, yeah, I'm at that point now where I'm not looking for any misadventure anymore.

[00:05:17] Kristina: Are you Sean? I think, I think life should be a full adventure and you know, it just changes as you, you know, as we grow and mature and different things becomes important to us.

[00:05:30] Lloyd: yes. Sure. I agree. I think because maybe I've had such an adventurous time in the last few years. I'm, I'm at a peaceful no goals place.

[00:05:41] Kristina: Which is a great place to be and very inspiring. So can we talk a little bit, before we jump into your book, your latest book specifically, can you share a little bit about your journey? Because, um, we have listeners from all over the world and people may not know about you yet. We'll certainly link to your books and [00:06:00] all the things that you do, but.

Maybe just share a little bit about your journey, because it's fascinating and I see this in the dream life coaching program so much where lawyers, specifically lawyers, I don't focus on lawyers, but a lot of lawyers come in into my program because they often take that path. If you're very clever or you're not sure what to do, that's the path That seems a very obvious path for a lot of.

People, but it's often not their dream. and it was the same for you. So I'd love for you to share a little bit about your journey and what got you to where you are today.

[00:06:35] Lloyd: Yes, indeed. I I took the scenic route, that's for sure. Um. I don't think anyone, you know, as a kid goes, oh, I wanna be a lawyer when I grow up. Maybe some kids of lawyers want to do that because they see it, but, but I don't think anyone really aspires to be a lawyer. it is just this indoctrination process that happens during school.

So, I would say more than anything, I was indoctrinated into university through school, and I say indoctrinated because it is, it is that I really don't [00:07:00] believe in. Universities as they are stand today.

I think they're absolutely very archaic and, and old fashioned now, but back in those days there was no online anything.

So there was only one way you get a trade or you go to university. So I was, that's what I did. Uh, I went and did a pre-med degree in, it was biomedical science and I, it's on the wall here behind me actually. and I graduated when I was 19, so I, like, I blasted that and they pushed the medical school back a year from the university I was going to, I.

And so I went traveling for a year, and all through Europe as a 19-year-old. And I came back and I had this, you know, I didn't have a desire to study for another 10 years. 'cause in medicine you have to do another six or five years, depending which path you take. And then another two years of registry, then a year of, you know, residency, then a year of registry, then it's three years of specialty.

It's just a night. It's just like forever. I said, well, I don't really wanna live a life like that. Yeah.

So I went and did a master's in business. I graduated with an effectively like a master's international business when I was 20. And again, I went into real estate, got my real estate [00:08:00] license, got into commercial sales and leasing, did some good deals.

I was getting some momentum there, and I was going to my graduation of my master's and my dad said to me, Hey, champ, he calls me Champ. Why don't you do a law degree? My friend said, you should do that, and it's a good idea. I was thinking, oh, Yeah.

well, I mean, at that point I didn't know what I wanted to be when I grew up, so I'm like, okay.

Okay, I'll go back and I would do a law degree, like I was about 20. It's, it's such a young age still, and I, as I look back, when I've stayed in real estate, I would've killed it. I would've just done so well. But for whatever reason, my dad was all about influencing me for an education, and I think sometimes parents can get a little bit caught up with their own status with their kids as well.

And I, I don't know whether my dad. Caught, caught up in that a little bit like, 'cause I was malleable. and he always wanted the best for me. But, you know, wouldn't it be cool to have a son as a lawyer? And I was just so influenced and so I, okay. I went back to law school, got a law degree and I got admitted as a lawyer.

I. In 2008 and like all the stuff is up on the wall behind me there. So I'm, I'm very proud of all the things that I've done [00:09:00] academically as well, although they haven't been very practical. But when I graduated law, I didn't fit. I did my articles and I really got into property law. It was so boring. If I had a really excited mentor who was a trial lawyer or some sort of.

Civil litigator, I would've probably stayed because the art of debate and winning would've been there. And I'm really competitive and I probably would've been attracted to that in a mentor. But I had a really boring, conveying lawyer and and it was just so demo in the office, I was like, how do people do this?

And so I had a personality clash with on thinking, oh my God. So I ended up getting a job in Abu Dhabi. And let in real estate, in real estate development actually. And, uh, through a friend of my dad's who I knew and, uh, he hooked me up with a great job. And at 2322, uh, bear Stears had just collapsed. I was in Sydney looking for a job down there, and the GFC was in full flight.

All the banks were collapsing in America. And I was looking for a job in investment banking and there [00:10:00] was no openings. And so I took this job in Abu Dhabi and I ended up flying over there having no construction experience, no development experience. But my degrees did open up a little bit of a door there for me for sure.

And I remember I was working on the sixth largest project in the world and it was in Abu Dhabi. It's called Ya Island. And it's where the Formula one circuit, that was my project. The Formula One circuit, the Ferrari World theme Park, the, and I was like, what? This is Incr, what an opportunity for a young early 20 something to go into the sixth largest approach in the world.

and then over there I wasn't paying any tax 'cause I was in Abu Dhabi. And so, but then the GFC caught up to it over there and everyone got retrenched. The company just went about, went broke, and uh, I was finding it difficult to progress my career there, frankly.

And I was very entrepreneurial, just even though all the academics would suggest otherwise. I've always been fairly entrepreneurial and. I always wanted to get into business for myself, but over there it's very difficult. Anyway, push came to shove and I ended up leaving there and coming back in to work with my dad, and he's a master sales guy, so I just learned [00:11:00] sales and marketing through him for seven years.

Rebuilt a property investment business with him and then branched out into online marketing and, uh, left the property business. Gone into online marketing for a couple years, then started. I was heavily investing in shares, so I'm a big. Lover of investing in shares. I always had a Dr. Speaking of dreams, I had a dream after reading Rich Dad, poor Dad when I was about 16.

I read that book when I was 16 and I was so enthralled by this possibility that I could have financial independence and so I was always investing. I think I got into other businesses because I was seeking extra income so I could buy more shares so I could have freedom faster. That's, my whole being is about freedom.

It's a very high value and for most men it would be too. But I was determined to get there. So I read that book that, that encouraged me. And then I read Tim Ferriss's four hour work week in 2010, and that's what prompted me to get out of Abu Dhabi, go into business and then build one business after the other.

And that brings us to today where I've got. An [00:12:00] education business, a network marketing business. I've got a laundromat. We, I've got a company that buys laundromats I've got an events business, in partnership with, with my friend Morgan. so I've got those four businesses and a portfolio and I've also authored the books and I've got a podcast and I've just kinda living this life that I've always dreamed of living, which is true freedom.

And I work from home and my commute is

five seconds.

[00:12:20] Kristina: I love that because, um, it's funny because, uh, we are gonna have you coming in as the, as a guest speaker in my, um, coaching program because freedom is a theme for July. And, uh, first I was gonna put it on financial freedom, but. But then when I really thought about it, because I was never, ever driven by money, even in my first business.

All I wanted to do is do what I love doing. Have absolutely have enough money to be able to travel and do all the fun things. Ab absolutely, but it was never for me to have millions of dollars in the bank, that was never, exciting for me. It was about doing what you love and having the [00:13:00] freedom.

And now when I, so I lost everything and, um. It's a good, good lesson. It's not a fun lesson, but it's a good lesson because it just makes you appreciate every dollar that you make again, and starting again, hopefully a bit wiser. But it's so amazing now when I, because the, the business that I had before Ki Kiki k became almost like a corporate in, um, and it's, I'm an two entrepreneur.

It was too slow. It was just not the way I wanna live my life. And I was sitting in meeting after meeting, it was just, um, you know. The old in a very old fashioned way of running a business, compared to what I do now, is like I can work whenever, wherever with whoever. And now we do collaborations with small businesses and things like that, that we couldn't do before.

'cause everything was, you know, bigger quantities and we made everything in China. Now we print on them on. But the freedom that I have and choosing to do what I, what I love every day doesn't mean that every day is perfect. Absolutely not. It doesn't mean that we don't have things that [00:14:00] is a bit more boring.

That's. comes without saying, I think, but I just wanna make sure that that, that's really clear for anyone who's listening. But it's unbelievable in today's world where we can actually work from anywhere. COVID was a disaster for so many of us, but. One good thing I think that came out of it is that flexibility has come really to the forefront for a lot of people.

And I think freedom is what we all want to and some people that means a big role. Uh, having the freedom to, Really good at something specific in a in know for a big corporate. Or it becomes like I am super inspired by people my age and older traveling the world and working from whenever.

And um, I do a lot of that already and I just think that that's absolutely amazing. You, last year I said to my girlfriend, do you wanna just come and meet me? I was speaking in Bali and I said, do you wanna just. Papa. When we rented a village, I was just like, it's just unbelievable. And we got work done, we got inspired, we had bigger dreams.

Just [00:15:00] amazing what you can do. And that to me is what freedom is all, all about. And that's why I was so excited about reading your book, uh, become Time Rich. So do you wanna talk a little bit, why did you decide to write this book?

[00:15:12] Lloyd: Well, I love what you said, uh, about you weren't really driven by money. And I've gotta say that. I mean, I, I did a little values test with my friend Morgan in the back of a car in LA when we were gonna Ty Lopez's house for a party. And he said to me, yeah, let's do a values test. 'cause he's worked a little bit with, John Martin, who is the guy, right?

[00:15:30] Kristina: Yep.

[00:15:31] Lloyd: So I really taken seriously for a long, even though I've had John on the podcasting, but. He, he did it and he said, you know what's really interesting? I said, what? He said, you are the money guy. I said, Yeah, And he goes, money is just not high on your values list. And the reason it's not is because I am driven by being time rich and my whole life, I have joked to my wife, Alicia, about this all the time, and I say, you know, I think I really have crafted my life in absolute avoidance of commuting.

[00:15:59] Kristina: [00:16:00] yeah,

[00:16:00] Lloyd: So that's, I, I guess I've, you know, how we have, um, towards energy and away energy. So I think my whole life is away energy from traffic and commuting I actually think that, and so I have left money on the, on the table and I still do to this day.

I leave money on the table every day. I swear to God I should have a lot more money than I do. But I actually just don't care because the freedom that I have is so much more important to me in my time, even if I'm just playing chess or even if I'm, I just feel like extra money is not going to do much else for me beyond the utility can provide me today to control my time.

And so what I wanted to do in the book, and the reason I wrote it, is because I feel like there's always a bigger fish when it comes to money. It seems to be like, especially you would know this, like the higher the level, the higher the devil. Like, you start making more money and all of a sudden you've got a self-imposed prison that you didn't want to have in the further place.

And he's like, how did it happen? You burn it down. So I thought, you know, I wanna go on a different path and what if I just put time [00:17:00] as the objective? and I did that and I have done that over the last 10 years. And so the book is a bit of a collection of some of the laws that I've applied to my life to do that.

And I've. I feel like I can give so much more value to people, to the world in this area because I think it's under-taught and I think the money thing's overt taught. So I'm, carving out this little piece that I can give better, I think too, you

[00:17:22] Kristina: yeah. Absolutely. Uh, I absolutely love that because I think, For anyone listening, I think you know it, you need to have the basics. So you definitely need to have roof over your head and be able to have money so you can eat and all those things. And then you want to have a little bit more than that 'cause you wanna do all the things that are important to you, whatever, whatever that is.

But it was interesting because when we lost our business, we got picked up by, uh, an American business and then I went into business with them. And, when they put us into administration, I just said. I'm done. I'm absolutely and overly done. Like I'm, I'm gonna take back control of my own, my own [00:18:00] destiny.

and then a lot of people gave me advice, the best of their best ability, obviously from their point of view. And they said, uh, but imagine if they give you like, you know, the next business give you millions of dollars to stay. I said. my life is worth more because I have created millions of dollars over the years.

I can do that again. and I think everyone is capable. You just need to focus and really work out what that means. And it doesn't happen overnight. So I just wanna say that that's, ' often what people say it's, but. Everyone can create a business worth a million dollars.

I have no doubt about it. If you give it time and you put in the work, but what they said is like, what am be open? And I said, no, I'm not gonna be open because I actually wanna be back in control. And I said, my life is worth so much more, much time is worth so much more than lots of dollars. and I said, because what they will be offering me, if they did, they didn't.

But if they did. I can make that myself without having to answer to anyone or without having to be somewhere [00:19:00] or being dressed a certain way or whatever. I can now work from anywhere and.

[00:19:04] Lloyd: Why? Crazy.

Yes. You know what's really interesting about that is so true. It's even if you make less, like it's not about the million, Gary v has this saying, he said, you know, I prefer to die on my own sword. And so I've, I've been cut from that. I'm like, I prefer to have 50 grand a year of my own, my own time than a million working on Wall Street 70 hours a week for some random deal.

[00:19:26] Kristina: absolutely.

[00:19:26] Lloyd: and you know what's interesting on the journey is you get seduced a little bit as you go along. So I know my old boss, who's such a great guy, he was in Saudi, he said, Hey. I've got this great project. There's a job for you here anytime you want. And I'm thinking like, I'm salivating over 250 grand a year tax free and going, oh, that would be kind of cool.

but, and then another guy, he was um, head of a big coal company in the state here, and he actually offered, he said, Lloyd, come work for me. I'll give you 300. This is about 10 years ago. He said, 300 grand a year. And I was like, I had to say no. Uh, no. And, and I think it's like what you said, I can't be bought.

My time can't be bought [00:20:00] like that. if it is bought, it's a lot of money and even then, I don't think you can put a price on it.

[00:20:05] Kristina: Yeah. No, absolutely. So let's talk about, for anyone listening, so a lot of people who come to the dream life coaching. Program are a bit lost. Most of them work for other people. Some people have their own businesses for sure, but most people come in and they do a little bit lost. So, and when you work for someone else and you have a family and you got, you know, commitments, financial commitments, et cetera, it's can feel really overwhelming.

And I always believe, and this is something I speak about often on this podcast, is that. You start with a side hustle and you just carve out a little bit of time. and I always feel like the best investments you can ever do is in yourself, educate yourself and work on yourself, because then you can always, make it on your own if you invest in yourself, because you can lose a job, you can lose a relationship, you can lose the business, but you never lose the experience.

You never lose your knowledge [00:21:00] and the attitude that you have towards that. So for anyone listening. That wants to become time rich and have financial freedom, what should they start with? What's your opinion on that?

[00:21:12] Lloyd: Well, that's a great question. It's a big one, but I think the most important thing to start out with is a belief that?

they can do it. Um, because if you don't believe you can, like my first business coach said, Lloyd, you either live in possibility. And if you don't live in possibility, then by default you live in impossibility.

And so I said, I was like, oh, shivers. Oh Yeah. So I'm choosing to live in the possibility that.

I could do it. And for a lot of people, they don't give themselves permission to even dream to do it. And so I, that's the very first step. And, and so I was like, okay, we're gonna, we're just gonna do it. And I, now, when you decide that, and you are driven by that desire.

You don't know exactly how yet. Like when I read Tim Ferriss's four hour work week when I was, you know, in 2010 on the way to a three hour commute, I didn't have the how to, but I had the why to. [00:22:00] And so if you have the why to the how, eventually finds its feet and can't almost force it.

You've gotta think it, it's a little bit of a manifestation process. You start thinking a while and your reticular activating system starts to pick up patterns and you start to spot opportunities. And then when the moment is spotted. You've gotta take that leap. You gotta just a little leap, just a little step and a little step.

and it's, it's gonna feel uncomfortable, but there's gonna be opportunities that are gonna kind of whisper to you that you know that in your heart that's the right track. But then the noise of other people and other things, and society's gonna be chattering away. And you've gotta just for a minute, just let that stop and listen to the whisper of your heart.

And for me that was, you know, come back to Australia, get into property. Now I knew I was gonna make money straight away, but I knew I would get better skills. I. It took me so long to earn money, but my skillset was building and skills build when you work and don't make money. So people are like, how do you build skills?

I'm like, well, you're not gonna like the answer to that. you work and don't make money. They go, really? I'm like, Yeah.

that's how skills are built. Then when your skills catch up to the required money [00:23:00] threshold, the money will come in. But you've gotta build it up to that point. So I think my advice would be.

You've got to be spending some time like what you said. So your nine to five pays the bills and the five, uh, the five to nine bills, the dreams. So what Alicia, my wife and I would do when I picked her up at six o'clock from her job as a paralegal, we'd come home and we'd sit in the car for an hour. Just an hour, and we called it our hour of power.

And we treated it a little bit like a, an escape room in prison where you could spend an hour. With your spouse planning your escape, and we just work on our little side hustle in our car making some money and then we go upstairs and we, the power of compounding that activity. Eventually, like I remember we got paid our first $800 check for the week and I thought far out it, it was just that small money that I had so much respect for, it was probably even less than that.

And I was like. It was that first moment you realize you're gonna do it. Like, because for me, I was like, okay, well worst case scenario, [00:24:00] I can do that again and I can do it again. and I can invest it in shares and I can scale it and we're free. Like, I so I, I guess the advice to summarize would be find something outside your job that you can make money with that you kind of enjoy and date a few things to see what you like first before you marry it.

Once you get it, just chip away little bits at it at a time and fall in love with the process of doing that rather than, you know, rather than falling in love with the outcome.

And just bit by bit you, you don't escape prison by like, teleporting out of the prison walls. You do it by meticulously chipping away like the movie, um, the Shawshank Redemption great movie, and Andy Dray chips away at that wall in his prison. yeah.

 And he is got this big tunnel after a while, and so that's what a side hustle looks like. You have to chip away like Andy Dre did in the, in the movie, and be excited about the prospect of escape even if it takes you five or 10 years, you

[00:25:00] know?

[00:25:00] Kristina: And it's an interesting, a lot of people say that they don't have time and, uh, I hear you, but we all have 24 hours and, uh, I'm also guilty of this, so I completely get it, but I, one thing that fascinates me, and you cannot really. You, demonstrated this in a really brilliant way, is that if you only have an hour, and most of us have an hour because most people find an hour on social media or on Netflix or whatever their, um, addictions are, most of us find an hour to do that.

Even if it's not like one executive hour. It could be like, uh, 30 minutes here or 10 minutes here or whatever. And uh, if you did that every day, that's a whole working day. It's seven hours. And if you do a little bit more, you can do it at eight, if you wanna call it a whole one. But if you on the weekend perhaps have, have a little bit more time, and it's an interesting one because then people say, well, you know, I, I've got kids and completely get that because I, I have and had that, it's easier [00:26:00] when.

Kids are teenagers versus when they're small and everything has its time, but we can all find a little bit of time. So what are your tips in terms of finding, so you already shared an hour in that car. Are there other tips that you have lived by or done because you also educated yourself in terms of, so you became, dunno if you became an accountant or I don't know what the actual title is, but, but you educated yourself, but then you actually educated yourself on the share market, which, you know, I believe everyone can do if you have

[00:26:30] Lloyd: yeah. Yes. It's funny, I did the CFH charter program, which is the hardest financial exam in the world. It's like. Terribly difficult. Six hour closed book exam on 10 topics, mathematics, and Yeah. Anyway, I did three levels over five years. I, failed level three and I, it's my last level, but by the time I figured out business, I was like, I, I stopped studying that because it wasn't serving my purpose anymore.

But what I did do is if you see above here, all those books there, I've read a lot of those more more than once. But I was, I was in an airport and I picked up this book called The [00:27:00] Snowball by Warren Buffet. Well, it's actually by Alice Schroeder. It's on Warren Buffett's life. And that opened me up to the possibility because in Rich Dad, poor Dad, Roberts, Kiyosaki and Sharon talk about real estate as the vehicle for producing passive income to escape the rat race.

Fine. But in, in the early nineties or late eighties when they started building that book. Real estate was like two times earnings. If you're on 80 grand A, you could buy a place for 160 K. Like it, it made a lot of sense. We are now in 2025, so for me growing up, I didn't wanna take in a lot of debt, so I chose shares as the vehicle that would produce the passive income to give me time freedom.

And so that compelled me to learn about shares. But I I've always been. Curious, and I think curiosity is a trait that's underrated in success. So I was curious to learn a bit more about what are these shares, what are they pieces of businesses? What was this? It was, so, I was just curious. And so as, as I read the books, I, I think you fall in love with the topic and you just want to voraciously learn about it.

[00:28:00] So I guess I did that and then I came to the conclusion that I, I needed more money to. F buy the shares. And so, you know, I was like, well, I bought my shares. I, and I just looked at it and I thought, this is gonna take me forever. So that's what compelled me to get into a side hustle. And the whole objective of the side hustle truly was to get more money, to buy more shares, to get more free.

And I just, and I guess I've been playing that game for, you know, 10 or 15 years, and it, it hasn't much changed. I've still love that game, but over time you get better at business and you start to, to progress. But I, I think my tips. For those who want to just become a little bit more time rich or, or just put the steps in place to get ahead, progress in some sort of side gig or making extra money or investing in themselves.

Is this one. The distractions are what get in the way. So it's actually better to stay back at work for 30 minutes and do the work required before getting in the car and going to see your family even, because once you walk in that door and the dog jumps on you, it's game over. Like you are gonna get, there's [00:29:00] 40,000 million distractions at home waiting for you.

So it's about setting things in place where you know you're gonna be distracted and don't go there yet, but use it as a reward. So like if I do 30 minutes of work here on this side, hustle for my family, I'll reward myself with spending quality time with my family. So just setting boundaries of this is when I work, this is when I don't.

That's part of the battle because you want to work from home, but if you've got a family and kids and a dog, you ain't doing any work from home. So that's the first step. The other one would be if it's not in your diary, if it's not in your Google calendar, it's not happening.

Fact, like I pretty much have everything in my diary that like, I have appointments in my diary and tasks on my to-do list.

They're two separate things, and I think the whole idea is to not get the two confused. And people put appointments on their to-do list and they put tasks in their diary and it's, it's mismatched. the key is to. Schedule things in your calendar, like meetings and so forth, and then put the deep work on a to-do list and the times where you're not spending [00:30:00] doing meetings and so forth is when you're doing deep work.

So you ha you run those two tools side by side at the same time, but get used to scheduling things in your diary because. The reason you may feel overwhelmed as you start to scale up and do extra things like a side hustle or skillset improvement is you'll feel burdened and overwhelmed and I'm sure in your workshops, how often do you hear the term?

I just feel overwhelmed. and it's not really overwhelm. I would say that there's two big language pattern shifts you can make to hold yourself more accountable. when people say I'm overwhelmed, I say, look, when my students do it, I say, listen, let's retract that.

Just say I'm disorganized.

because when you say I'm overwhelmed, you're casting blame to something out of your control. But as soon as you say I'm disorganized, you have extreme ownership of that, and all of a sudden you can shift your life. So I'm disorganized, which means get organized, schedule things, list things, and, and once you get organized, you're back.

All the overwhelmed disappears. And the other thing too is I don't have the time shift that language to, it's not a priority.

And if you do those two big shifts, you start to set [00:31:00] boundaries better. you are more organized, and you will find seven hours a week outta the 168 hours you've got, and that's all you need.

You don't need hours an hour. You don't, as you said, you don't even need uninterrupted. You just need to have an hour a day at working on your dream. And the compound effect, I think James Clear talks about in atomic habits, it's that power of 1% a day equals 36 x in a year.

[00:31:25] Kristina: Yeah.

[00:31:26] Lloyd: So, Yeah.

there's some things that will help, I'm sure.

[00:31:28] Kristina: Yeah. love that. So, let's talk about leverage, because that's one thing you're very good at and as financial freedom. We need, need to have leverage to be able to get things working for us. So what have you put in place to leverage your time and your money and anything else that you wanna share with us?

[00:31:46] Lloyd: Great, great question. people often in the financial world or when they're learning about money, they hear of this force, in the universe called the compound effect or compound interest. And Einstein called it the eighth wonder of the world because it's such a powerful force.[00:32:00]

Now we all understand that, but very few people understand what I,

call the ninth wonder of the world. And that would be leverage. yeah.

And most people are like, what? Leverage? And they think it's financial leverage, like when they get a mortgage over the house. But I'm talking about. Edes discovered the fulcrum getting more by doing less, and there's three types of leverage, people leverage systems, leverage and capital leverage, and where people fall down.

When it comes to their time management is that they don't have any of those leverages happening. So they're doing everything themselves, and of course they are overwhelmed and cooked and tired and finished, and they're just, you just can't operate like that. So the first type of leverage you would want to get is people leverage and you can start, again, I'm not a parent yet, so I can't say how easy or, or or tough this is, but even if you just taught the kids how to just make their own toast in the morning.

All of a sudden you've got people leverage because they're doing the work for you. And it seems ridiculous, but like if you can't do that, [00:33:00] you're gonna find it hard to get delegation and people leverage later in a business. someone once said to me, my delegation is your personal development. So when you get people leverage, if you delegate a task to someone, one, you've gotta release control over it.

So all your control freaks out there. You just gotta deal with it until you get over it. As they learn it, you help them skill up and if you don't delegate, they never learn. So it's a little bit like the parent whose child gets everything done for them and they grow up spoiled and useless and you don't want to have useless people around you.

So delegate baby tasks and start getting, some people leverage the second type of leverages systems I don't know how many people don't even leverage their Google calendar or like there's a voice app. I was having a coffee with a friend this morning. I taught him how to write a book in like a 15 minute conversation of coffee, and I, I taught him how to create his own ghost writer in an a VR app on his phone where he speaks it.

Sends it to chat, transcribes it, puts it in his voice and writes the book for him. And so [00:34:00] we used a couple of systems this morning to accelerate his productivity with less time. And I mean, I don't know how many systems, I think there's like 26 software systems I use on a daily basis that I don't have to do anything for.

That is automating so much of my life. And, I would encourage whoever's listening to this to just start even chat, GPT or grok or whatever one you wanna use. Like, ugh. My wife and I did a will this morning before we went to the lawyers, and it literally just crafted out this incredibly powerful will template for us.

And it was just I could go on forever about systems leverage, but if, I think the best systems leverage you can use right now is any AI calendar apps, any apps that make you like go faster, but most importantly put things on repeat. That's a good system, right? Things that can do things while you sleep.

And the third type of leverage. Is capital leverage, and that's where you're leveraging your capital to achieve a lot by doing less. And that could be like we carved out some capital to buy a laundromat. The laundromat is printing money, right? While you and I are [00:35:00] talking right now, there's people going in and out of our laundromat paying money and I'm sitting here on a zoom with you, right?

And so, or a zencaster, but. You know, like, like we carved out capital from a business, acquired another business and that's producing with systems leverage passive income. and I've done that with shares too, where I'd have my core job on my business and then I'd have a side hustle and we would always make profits.

I'd take half the profits and I'd always buy shares. And when you're buying shares, you're buying shares of a company. Is people and systems leverage already in place. And like for example, you can buy bank shares where you're buying a piece of ownership of the bank. And so you are, you are generating a small share of the profits of the bank and it's growing in value.

So you are leveraging your capital to grow and scale on its own. And that's the most insane leverage because it will just scale exponentially over time for you if it's the right type of leverage. But you can use capital leverage to do all sorts of things. that's what people aren't, [00:36:00] they're not using it to create more money or save more time.

They're normally using capital to buy new sneakers and clothes and

you know, like looking rich instead of getting rich. And so I think those, those are the types of leverage that I talk about mainly. And if you get all of them, that's why I can sit around all day and play chess. 'cause this is all these things happening for me, you know?

[00:36:20] Kristina: Yeah. that, if you don't systemize your. Everything in your business, you can't grow. It's just how it is. Like I, um, my niece just, uh, bought a booker shop in Sweden and then I was like, oh, I'm gonna send her the E-Myth because, um, that's how we systemized everything and she's not gonna, I, I don't think her plan is to, create a global, business, but even in one business to systemize things. So you can then put that time Into scaling your business and work, on your business versus, and I mean, with ai it's like, that's like the conversation we have 24 7 at the moment.

It's just unbelievable what's possible now. It's just incredible. [00:37:00] It's

[00:37:00] Lloyd: it is.

Yeah. But I, you know, that E-Myth is.

uh, a book that I read many years ago, and it really, I would say that book really taught Me systemization. Like

[00:37:11] Kristina: too. That's how we scaled to hundred 20 stores around the world. And, um, it's, it's, uh, it's one that I always recommend, obviously speaking at days Start your own business expo. Couple of weeks ago, and it's, it's around the country. and uh, that's the one I recommend because when one, so you need to start your business first, but then once you actually start it and you understand what all the different roles are and all the tasks and stuff, if you can systemize that and even better now with ai, like, it's just, it's just unbelievable.

It's, it's so exciting. And it's so exciting for, because, um, when I started my first business internet kind of was just starting. It was just, um, very, very different in terms of how everything worked. and then when I started this business a couple of years ago, I was like, I have no idea.

But anything. So it was a [00:38:00] big learning curve because I had an amazing team. But now with ai. it's just speeds up learning so much better. So I feel like now the barrier to entry is very low, but you still have to do all the work. And that's the thing. It's like my son, he's 17 and he has a golf brand business and he does the Mandy market every weekend.

And that's like, he gets up at 6:00 AM and he's 17. So he. You know, there's a lot of parties and things around and goes and set up his SP stand. He stands there all day. It's colder now, and rain, all sorts of things. Pack it up, then do it again. And it was just a long weekend. So he did it for three days cause he's looking, he, he's a cricket player, so he, um, he can't do it in summer. So he's now looking at employing someone. He said none that he knows would do those kind of hours. And I'm like, what? It's amazing because you have to put the hours in to do it. And that's the thing, it's like, it's one thing to know what AI can do for you and utilize it.

Still have to do it follow [00:39:00] through. And I, and I think that's the advantage of anyone listening. It's like it's easy to entry, but you still have to do the work.

[00:39:08] Lloyd: Yes, you and he is horror. He's obviously inherited that, resilience and, that entrepreneurship gene from you like to go out there and do that. That's such great character building. But that's what it takes. I mean, it's those, it's the non-sexy skills that actually help you make it,

[00:39:22] Kristina: Yeah. And you know, he loves it. Like I, I mean I love, you know, being in retail for a long time. I definitely, definitely don't wanna go back in retail, but it's something that really is really appealing, speaking to your customers. 'cause he's, he's done, he started when he was 14, this business, and he did an online business.

But you don't hear the people's comments like having a lemonade stand, whatever you're selling doesn't have to be a lemonade. He's. He sells golf, you know, hoodies and golf shirts and things like that. And to hear what customer says. And, uh, he started just like a month ago, the markets.

And what's so fascinating is that. He started to hear what customer was saying and [00:40:00] he started to get cash straight away. People actually paying it there. And then, and when he got home after that weekend, I went up to his room maybe two or three hours later when he got home, there was the whole wall of new design.

He just got so inspired. And I think that is so amazing because when you're actually, uh, doing the work and then you get the, you know, you. People are giving you money. 'cause he, he sold out like he just got a big order today. But he is said now he needs to send it all out. But he, uh, I said to him, it's amazing to sell out because imagine if you were standing there at the market and you had a full stand and no one bought.

It's so much better to the other way around because he lives at home and doesn't pay big, you know,

[00:40:38] Lloyd: there's nothing, there's nothing quite like that thrill that he would've got selling out. I think that's what US entrepreneurs kind of like we get off on. It's almost like this adrenaline addiction, but in business where you craft a plan and a strategy and tactics of the day and you execute and it works and you go.

Oh, it worked. [00:41:00] It worked. It's, I mean, I did that recently with the book launch. What we did, I did a big hormo launch. I thought, I don't even know if this is gonna work. And at the end of it, when we started just selling books so far, I was like, oh. And it was just this 10 seconds, it took me two years to get 10 seconds of.

That feeling that you can't explain to anyone. And I think that's what drives him, right? It drives all of us. But you know what you could do with him? You could actually send him, I did an episode on my podcast with, um, Simon Beard, who I went to school with, and he sold his, uh, business. It just, the way the story goes is incredibly, incredible.

His exit and he sold for 600 million. And, if he listens to that, he started by at the markets.

[00:41:40] Kristina: Yeah, absolutely. I mean, I started at the market too. I did like a, I did like this Christmas market at the Swedish church and um, you know, half of the prophet went to this, to this church. And it was like, it is just that kind of see what people, what they touch and what they say, and you can listen and you can have a conversation.

It's just nothing [00:42:00] more rewarding. So I think it's, uh, you know, having a lain lemonade stand, whatever that lemonade is, that everyone. I think everyone should have it because you learn demand and you learn how, where to put that capital back in. And you know, he Axel, actually I don't print anymore in China.

I did that for many years, but now we actually print on demand. So we developed a technology, but he actually does that and that's a whole new skill. because often, um. When you work with suppliers, they, they just wanna tell you good news. They don't wanna tell you the bad news and often you find the bad news too late or it's just a very big learning curve.

And I'm like, he's 17 and he knows this so well already. This, this took him years and he is doing photo shoots himself and using his friends and they get a free hoodie and it's just fun to see that. It's amazing. Yeah. And it's so fun, like, and I'm sharing this because for anyone listening, it does not have to be a perfect business.

I said Drexel, actually, I, because he doesn't want me to work there, obviously, 'cause I'm not his demographic. [00:43:00] But I said to him, maybe I should do a stand. But I, one of the things, having read your book really confirmed it. I don't wanna be tied down. I want to have the freedom to fly to Brisbane tomorrow if I need a bit of sunshine or fly to Sweden tomorrow.

If I wanna have a coffee with my mom. That is my, that to me is more important. But for anyone who's who uh, wants to start a business, I think starting at a market or, you know, online is just such a brilliant way of getting started. It's really fun. So tell me a little bit about what you personally do to stay aligned with your vision.

So I know you said that you don't have, you kind of lived like your life. Like you, you've done everything you read in your book that you got around the world 25 times or something like that with, uh, with your networking business, but. what are you doing now to kind of, because I'm assuming your why will still be in there in terms of you wanna, the freedom that you have

[00:43:57] Lloyd: totally.

Yeah.

Good question. Well, let me [00:44:00] tell you exactly how I'm aligned with my vision of my actual writings, because I am, like all of us, we want to live our word. We don't want to be you know, hypocritical or anything like that.

So I'm conscious of that. And we write books and we do our work sometimes because it's the best accountability we can have for ourselves.

And you know, so I wrote the book because I needed to become more time rich and I needed to ruthlessly eliminate hurry and I needed to, so I wrote it as a project to get better myself too. And so I don't have it all figured out either. And I think That's the trap that people can fall into when they read a book.

Like, oh, Lloyd's got it all figured out. And I don't, I'm always still learning to have more time freedom. But what we're doing is, I'll give you an example. I said to my wife, let's just. go on a holiday for, not a trip, but a holiday for a month and we'll just go to Thailand, let's book it. And we just booked it.

So we're going on Tuesday, just gonna go for a month to hang out on the beach and if we weren't, you didn't have our little dog, we'd probably go for a year or two and just go to some other place. And it's so difficult to actually do that because you get so sucked into. Nine [00:45:00] to five Monday to Friday because the rest of the world does that.

And so you find yourself having to do it in some respects. You're like, hang on a second. So it took me ages to really even go to the gym whenever I wanted. It took me, it took me so long to stop getting up at six every day. Like I had to train myself out of the rigidness of the, what I was in. And so part of what I'm learning now is to actually, I'm actually very project focused and not time focused.

So like, even, even today, I'm like, uh, you might hear my dog barking bark. Uh, even today, I said to my wife, I've got three things I need to do today, and that's it. And I'm like, and I'm not trying to do anymore. I'm like, they're my three and they're very important things. And I'm like, and I'm good with that.

And the old me would've been trying to suck every morsel of everything out of the day. And I just would be go, go, go, go, go. And I realized that That's actually not wealthy. That's a broke soul.

And I guess I'm now wanting to I think my soul has now caught up to my body.

Does that make sense?

So I think that's, I'm seeking that [00:46:00] more, and I'm not in a rush and I'm, I'm conscious about what I say yes to what I, and I still fall in the trap of saying yes to things I shouldn't, but I'm more conscious of it now. So will, aim to not be too busy, be very. Diligent with what I say yes to when I say no

[00:46:14] Kristina: Yeah. Yeah, yeah. Love that. I love that. And I, I think you brought up a really good point that I think it's worth repeating here, that we don't have to have it all worked out. And I think this is a trap that so many, and I see it in the coaching program all the time, I always say. It's really inspiring to see people doing it and sharing it.

Like Axel coming back to Axel, he, um, shares behind the scenes when he like does his photo shoots and stuff. I find that super inspiring. He doesn't have it all work, that if he was waiting for, uh, You know, their polished success, it might take 10 years, but most of us don't actually want to learn from people who are 10 years ahead of us because that is probably quite irrelevant in today's world.

You wanna be [00:47:00] just behind someone, or when you're teaching something, you just wanna be a little bit ahead and sharing while you learning it. And I think it's also really great that we are vulnerable and saying, Hey, we don't have it all sorted out. And I'm constantly, you know, I have, Read so many productivity books, so many time books.

So many financial books. And you know, my kids laugh at me. They're like, how many times? Or, and even my brothers often said, how can you read the same thing over and over? I said, because. Am practicing it, and I always feel like there's some improvement. And you know, in, in today's world things are changing so quickly and I, I'm studying high performance and, and longevity and biohacking and I love all that, but it's, It's a whole new world, so it takes me forever, but it's so in, uh, so inspiring and I think when people actually are, are sharing their journey whatever their dreams are, it's a really inspiring So I love that you brought that up. I've got a couple of questions before we finish up and one is, have you [00:48:00] got a specific morning ritual?

You said you have kinda retrained you, but what's your kind of ideal morning ritual?

[00:48:06] Lloyd: I don't know if you wanna know my morning, my morning ritual is so against what is popular and, vibing at the moment.

[00:48:12] Kristina: It's fun. We love not.

[00:48:14] Lloyd: sure

mine's not. Mine's definitely not. Um, what is it? The guy that wrote the five five?

Not that it's not that. Yeah,

I'm Mine is I wake up, I grab my phone and I check what happened.

Like, I'm so excited about what has transpired in the world overnight that I just don't have any patience to sit there and meditate around, like wonder what's happened in the world. And I get it and I pull up the stock market. I see what's happening in the American markets overnight. I check the stripe accounts for the businesses.

I check. like, what's working on Instagram, what's, I check X for like, what's happened in the United States. I'm so excited about what's happening in the world. I'm like, ah, what did I miss? And I, I would say for a good 30 minutes, I literally just spend time catching up.

And even that, in that 30 minutes, I'll reply to [00:49:00] emails. Most of my messages, I pretty well take the low lying fruit I could say. So I, pretty much attack the low lying fruit. Because I'm my most fresh and I just handle it. And once I'm done, then I'll co in the morning have breakfast with my wife, and then I'll get ready, and then I'll go to, I'll luxe over to the gym or I'll do deep work.

So I'll get up in the morning. I'll work for three or four hours while I'm fresh, and then go to the gym. So I, I like to do a lot of my heavy lifting and work as soon as I get up and go.

[00:49:30] Kristina: Yep.

[00:49:31] Lloyd: it took me so long, to work that out because I thought I had to be like everyone else and do this weird morning ritual.

And I. had to do that. And, then I thought I even had to work out first thing and it took me so long to figure out, I'm like, I don't wanna do that. I like working. I, I like to get up and execute my stuff 'cause I'm fresh and I'm, and once I'm done I feel so productive. 'cause if I don't do that and I found myself in the gym in the morning, something would've happened in the morning.

And 'cause I have this rigid mentality, I had to be at the gym [00:50:00] at nine o'clock. I'd be in the gym thinking about this thing the whole time, and I couldn't act. That's my morning routine and I'm pretty, I'm pretty

[00:50:09] Kristina: And, and I think that's what, you know, freedom is all, all about. We, we do what is right for us. And I actually love, I don't love the gym in the morning, but I love going for a walk. 'cause for me being outside, it's just, that's where I get all my ideas and stuff. it's not my most productive hour, but I get so many ideas and it's just great.

[00:50:29] Lloyd: Well, it's interesting you do like I walk to the gym for that reason.

[00:50:33] Kristina: Yeah. yeah. So nice. So the other question that I have for you, have you got a favorite book or a book that had a big impact? You've already spoken about a couple of books already, but, so that might be covered, but love

[00:50:46] Lloyd: you did, you did gimme some warning about this, which I thank you for. But look, the, I have a really simple answer and for all the audience, they're probably gonna be a bit surprised by it. And most people are, 'cause I come across as a non-fiction guy, but the best book I've ever read. [00:51:00] Is Cain and Abel by Jeffrey Archer.

[00:51:03] Kristina: Ah, I haven't read that.

[00:51:05] Lloyd: That's my all time favorite and anyone I've referred it to, it's turned into their number one book of all time. It's the best book. It's the best story. It's like a page turner. You can't put it down. It's one of those things, but beyond that, oh my God, I've got so many books I could tell you that have changed my life.

one that I talk about in, in my new book. That I just seem to come back to a lot and it's probably only the only book that I've really read the notes back on, aside from Warren Buffet stuff that I could read in my sleep it's won by John Mark Comer and it had such a profound impact on me because my soul was like thirsty for it.

[00:51:40] Kristina: Yeah.

[00:51:41] Lloyd: And so it's called The Ruthless Elimination of Hurry, and it's the John Mark co story and my business pastor put me onto it. It's got like 50,005 star reviews on some crazy number. It's

just.

[00:51:51] Kristina: read that book either.

[00:51:53] Lloyd: Yeah, it's like, and it, that's why I mentioned it in my book because it made such a profound impact. I'm like, and I applied it to [00:52:00] my life it's had such an impact I think about it almost every day.

And so that's probably my favorite. Currently the nonfiction. But there's others like David Go, I mean, so many have just impacted my life.

I'm good for learning, but I'm. Excellent at executing. And so I read Chris FO's book once. Have you ever heard the book? Never Split the Difference.

[00:52:16] Kristina: Yep, yep. I read

[00:52:18] Lloyd: So I read, so I read that, I started reading it.

I got through kind of halfway and I learned this thing called labeling and mirroring, which is incredible. rapport building tactic. And I started, as soon as I read it, I, oh God, and I just applied what I learned and I've I like to read, to apply, not just read, to read and

[00:52:33] Kristina: Yeah. Yeah, I mean, that's what we do in my, um, book Club Grow. We actually read one book a month and, uh, it's all run nonfiction. And then we meet on Zoom every Monday night and people from all over the world, and we, we discuss it. We talk about what we implement, what's working and what not working.

And everyone love loves different things and some people don't love things and it's a discussion, which is book club. And then we go with sidetracked. [00:53:00] And um, and it's so amazing because, um, when you love a personal growth and personal development and you always wanna become the best next version of yourself, it's um, it's one thing to read it, but to implement it is a whole different, uh, level.

And, uh, that's. I love reading and that's why I started Book Club because it's so fun to share that with other people who are

the same interest. Amazing. So my last question is, knowing what you know now, what kind of advice would you give to your younger self? Say maybe your late teens or early twenties?

[00:53:35] Lloyd: Uh, look, I think, I should not have gone to university. wrote learning. I can do, like, I have a really good memory, I had a huge advantage, like my memory sort served me so well, but I really didn't get lit up by it. But I did it 'cause I thought I had to do it to get ahead and I was so ambitious.

It was the only path I could see. But what I really should have done is get into business at a younger age. It's just. I didn't know how to do. I mean, I kind of did, [00:54:00] like I cleaned pools and mowed lawns, but I would say that my younger self, I'd say get into business in a bigger way, than what you did. I would say that, and I would say to take bigger risks, in your career, like and I did eventually, but.

Take bigger risks, bigger swings, and it tends to work out, you know?

I think, Yeah.

yeah. That's probably my advice to myself. And buy

[00:54:23] Kristina: it.

[00:54:24] Lloyd: Buy Apple shares in 1989.

[00:54:29] Kristina: I love that. I love that. Well, that's first really good. It's, it's really the university one is good one 'cause I'm in right in the middle of discussing that with Axel And I didn't go to university and I'm an entrepreneur and, I see pros and cons with both, but I do think that this, a in the next five years we are probably gonna see more change than we've ever, ever seen in history.

so I feel like. If you are not sure right now in terms of university, because I think there's so many other ways of educating yourself and you do not have to go to [00:55:00] university when you're 18. Like you can go like, I actually think it's better to travel and just have fun and because that those years do are harder to.

To justify it, li later on, especially if you, you know, you start investing in, properties or, paying, rent yourself and stuff, but versus when you are young, if you're able to do that. I think it's a really good, good one to bring up because a lot of people will be spending a lot of money on something that will, might be completely irrelevant in five years.

[00:55:28] Lloyd: Yep. and you can learn it. I mean, I could've just read textbooks, but you, what they're paying for is the qualification to open doors. But the reality is now the world's, like what you said, is moving towards skillset as the open doors. You think the best thing you can do is what Axle is doing.

Like go do,

[00:55:43] Kristina: yeah,

[00:55:44] Lloyd: don't learn

to

do.

[00:55:45] Kristina: sand.

[00:55:46] Lloyd: Yes.

[00:55:47] Kristina: Yeah. Yeah. Yeah. Yeah. Well this has been so inspiring. Firstly, we'll, we'll obviously link to your book and we'll link to everything else that you're doing and, but I just wanna say thank you for taking your [00:56:00] time to re uh, write the book but also for coming on here.

And, uh, you know, it's funny 'cause I, one of my big dreams is to be on a lot of speaking stages now, and that's how I met you. Isn't it funny how, uh, how you meet people when you start doing things that you really love? So thank

[00:56:16] Lloyd: yes.

[00:56:16] Kristina: much.

[00:56:17] Lloyd: Of course. It's been great to connect. Thanks for having me on, Kristina. I look forward to working with you more and collaborating more, which we will.

[00:56:23] Kristina: I can't wait to come on yours.

[00:56:24] Lloyd: Yes, sounds good to me.

[00:56:26] Kristina: Thank you. Wow, That was so inspiring. I wrote down so many notes. I hope you did too To everyone listening, remember this, freedom doesn't just happen.

It's something we create. One choice, one habit, one intentional decision at a time, That's what we are doing inside the Dream Life Coaching Program in July. our theme is freedom. The freedom to define success. Your way to spend your time on [00:57:00] what matter most to you to design your life on your terms.

If today's episode resonated with you, I would love for you to join us. You'll be guided step by step with tools, prompts, and a beautiful community of women just like you. You can find all the details at your dream. Love starts here. Do com and there will be a link in the show notes as well. Before I go, I just want you to remember you have the choice to create a life of your dreams. to do whatever you want, whenever you want, with whoever, wherever.

That is an exciting journey to go on, and I would love to support you on that journey if you feel that is right for you. As always, I will be back on Monday with another Monday morning motivation episode. Until then, have a beautiful weekend. [00:58:00]

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