Latest / Money Grows on Trees / #220 - How To Make Your Kid A MILLIONAIRE

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#220 - How To Make Your Kid A MILLIONAIRE · Money Grows on Trees

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  Five books on money that will help you turn your child into a
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  millionaire. Book number one. My dad came home once with a big wad of
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  cash. He dropped it on the table and he said, hey, guess how much money's in
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  there? My day back then, there was no easy way to invest
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  in stocks. There was no fun apps like there are now, which I'll share with you in a
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  second. To help your children become millionaires early is Sales
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  is how you make money. Sales, sales, sales, sales, sales.
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  And sales in most families is a dirty word. What are the five steps
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  I'm gonna teach you right now to then teach your children or
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  do with your kids for them to literally become a
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  millionaire? I'm Lloyd James Ross, seven figure investor and entrepreneur
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  and I've helped thousands of business owners and professionals turn financial
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  stress into success. If you're stuck in old money habits, overwhelmed
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  by investing or unsure where to start, this is for you. I'll
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  give you the mindset and strategies to take control, grow
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  your wealth and achieve financial freedom. It's time to make
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  your money work for you. You watch your kid grow up and
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  a thought crosses your mind. Will they struggle with money
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  like most people? You want to have financial security to
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  avoid paycheck to paycheck traps, but no
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  one ever taught you how to build wealth young.
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  And you look around, some kids inherit businesses, investment portfolios,
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  and financial headstart, while others spend decades trying
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  to figure it all out on their own. The difference, their
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  parents set them up early. Most people assume
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  you have to earn millions to raise a millionaire. But the truth is,
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  it's not about how much you make, it's how much you
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  use your time to compound your skills and money. The
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  wealthy plant the seeds early, investing in assets,
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  setting up tax free accounts, teaching their kids about how money actually works.
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  Meanwhile, the average parent tells their kids to save money, but
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  never really showing them how to make it or grow it
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  because they don't know themselves. They send them to school where they
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  learn how to do algebra and history, but nothing about investing
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  money or wealth creation. So the kids repeat the cycle starting
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  from zero instead of leveraging what time and smart
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  investing they could have, right? So here are
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  eight ways You
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  can educate your children about money. But stick around because after
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  this, I'm going to show you exactly how you can make them a millionaire in five
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  simple steps starting today. All right, so let's go through the
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  eight ways of actually helping your kids learn about money. All
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  right. Way number one, you've got to talk about it. You
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  can't make it a taboo topic. I remember one time at our place, my
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  dad came home once with a big wad of cash. He dropped it
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  on the table and he said, hey, guess how much money's in there? And
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  he may have sold one of our cars or something like that, but he took
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  it in and he showed us it by dropping it in front of us. And we kept saying,
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  oh, I bet there's a million dollars there. We're only kids. It's this
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  or that or that. And it was like 12,000 bucks. But it was
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  like money was there and it was okay to talk about it. And
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  he would often ask me on walk, you know, what do you what do you want to be when you grow up? Who do you
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  want to become? And so I would say things like a big hotel manager
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  of a chain is like, yeah, that's awesome. We knew about money. It was
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  not a taboo topic. And it was talked about a lot. So the first step
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  is to really talk about it, bring up to the surface. It's
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  totally it's much better to talk about it than hide it.
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  Because money is a skill, and if you don't talk about the skill, you
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  won't get better at it. So I do remember, you know, most people grow up in households where
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  they say, money doesn't grow on trees, money is the root of all evil, money doesn't buy
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  happiness. Where in my house, it was like, my dad used to say to me when I was growing
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  up, you know, money makes you handsome. It's not the only
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  thing, but it's way out there with oxygen, and some funny quips like that. So, you
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  know, money was always on topic, and it was never off topic. It
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  wasn't in our faces by all accounts, and it wasn't like the be all and end all, but
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  it just definitely wasn't taboo, all right? The second way to help your child
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  learn about money is of course, them reading books on
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  money. You don't read the books on money. then
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  they're not gonna read the books on money because children will do 100% of
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  what you don't do and 50% of what you do do. So if you're reading
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  books, there's at least a chance they're gonna say, hey, what's that book about? Or
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  if they don't listen to you, which is probably common, give the book
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  to a neighbor or give the book to someone else they respect and
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  they'll listen to and then let them give them the book. So it's not you,
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  okay? It's called the neighbor principle. A kid will listen to their neighbor before
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  they listen to you, right? So get the neighbor to give
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  them the book instead of you giving the book on money. Some of the cool money
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  books that I read early, I mean, I learned about money from a grade
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  11 English teacher, Mr. Barber. I talk about it in that book there. He actually
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  was the one that told me about books like Rich Dad Poor
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  Dad, Richest Man in Babylon. I was in grade 10 or grade 11 English
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  class and he said, gentlemen, When you leave school, make sure
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  you read these two books. And what's really awesome about that
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  is the co-author of Rich Dad Poor Dad, Sharon Lecter, has endorsed our
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  brand new book, Become Time Rich. And so that's super exciting. So
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  thinking about school when I learned about the book she wrote, and now
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  she's endorsing this book here. It's been this awesome journey, but I
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  wouldn't have got there if I didn't learn about it for my grade. 11 English
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  teacher, Mr. Barber, so if you can be Mr. Barber or get someone to
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  be Mr. Barber for them that will really help them learn because there's
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  no other way to do it. They're not going to teach you in school, okay? So maybe give
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  them my podcast link. Send them to my YouTube channel so they can learn from
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  me. I'd love to pass this wisdom on to them if they're not going to listen to you,
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  all right? So way number three to help kids learn about money
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  is much like kids, we learn the same way, but definitely at
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  their age they learn it a lot faster if they play games. Games
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  are the most effective way for the brain to learn. So, I remember
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  growing up, my dad and mom would always play, well,
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  my mom didn't like to play as much, but my dad loved to play. It was Monopoly, right?
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  And my mom used to always say, well, your father just goes and gets Mayfair and Parkland and
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  lands on it and everyone goes broke, except for him. So,
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  he used to love playing Monopoly. He was always the one to beat. And playing
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  those games early was fun because it made accumulating wealth fun.
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  And so you can play Monopoly, but also what you can do is you
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  can go and grab the board game Cashflow. And the
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  story behind that game is Robert Kiyosaki, he actually developed
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  the board game Cashflow after being a coach for a program called Money & You.
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  And he developed the game and it wasn't selling. The game wasn't selling.
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  So what they thought was, well, we've got to write a book like a brochure to
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  sell the board game. So they wrote this little brochure called Rich
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  Dad Poor Dad. And so that book was actually a brochure for the board
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  game. And so Sharon Lecter wrote that with Robert, and
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  that book has become the number one best selling book around money, but it was the
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  game that made a difference. So if you can get the board game, you
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  can go to Amazon to type in cash flow board game, you'd
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  be able to buy it there I think it's 80 $90 get it. And when you
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  get it, you can actually add an app on your phone called the cash flow app.
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  And you literally use your app with other people
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  to play the game. And I've played with my niece and nephew. And
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  the whole idea of the game is to get out of the rat race. So when we play with my
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  niece and nephew, my wife and I play it, they're learning how
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  to manage money with investments and buying assets and
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  getting out of the rat race and using money, they're learning without them even knowing because
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  it is a fun game to get out of the rat race. So that's a more progressive game
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  than monopoly for them to play. But it doesn't mean you got to play board
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  games to learn you can play games with them without a
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  board game in place. So for example, you can play a game with like who can make
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  the most money this week, you can play games with them, let's save, let's
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  see who can save the most this week. And you can kind of keep score and
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  make things fun for them when it comes to money. You can also get
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  them doing things when it comes to money. So like instead of you going
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  and using the card to buy things, get them to go to the checkout to buy
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  things. and get them to start playing game of
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  money. Like even if you're gonna give them tasks to do at home to earn their
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  pocket money, show them that if they could do
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  the task themselves, they earn the money, but if they outsource it to
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  their younger sibling, they can make money without doing anything. And that's
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  teaching in the art of business. There's a ton of games that you can go
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  and play. And if you type into chat GPT, some fun games to play with kids, it'll
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  give you a raft of ones you can play with them, okay? Now, way
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  number four to help your children become millionaires early
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  is sales is how you make money. Sales makes
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  the world go round. Sales, sales, sales, sales, sales. And
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  sales in most families is a dirty word. If you're in a job, a nine to
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  five job, guess where your wage come from? Someone made
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  a sale in your company. people turn their nose up at it like sales.
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  I'm like, well, you wouldn't be paid if it wasn't for sales. So one
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  of the most effective things you can do is go door to door and sell stuff.
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  I know it's uncomfortable for you as much as it is for them. But this will show them
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  what it's like to actually sell stuff. So in school, they'll get chocolates to
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  raise money, they'll have a walkathon, they got to sell tickets. lean
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  into that with them and go door to door and start selling things and
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  start to help them understand the art of rejection, the
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  art of perseverance and celebrate with them
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  when they do make a sale. So they have a very positive relationship
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  with making money. And they have a great relationship with getting rejected
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  too. Because if they can have a great relationship with no and with yes, you're
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  gonna develop an entrepreneur in them. And entrepreneurship is really how
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  you can start making them wealthy from a young age. A friend of mine, he
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  used to a guy I went to school with, he would go to the local
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  markets and he would sell phones that he was so shorts there. He would
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  sell pants there. And he was frightened to do it in the beginning and he went and did
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  it and he sucked at it and he failed at it. But he kept going back kept going back.
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  And eventually he built a built a company called Culture
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  Kings and he recently sold it for $600 million. And if you go back
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  on our episodes, you'll listen to the interview I did with him at Simon Beard,
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  go listen, but he started out doing basic things in the markets as a kid. And
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  you look at the value of that over time. It's incredible, right? So
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  way number five and how you can turn your kid into a millionaire is get
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  them earning, get them spending and get them giving the three things with
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  money that brings joy, earning it, spending it and giving it. Now, how
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  do you do that? Well, you can set up some things for them to earn their pocket money. But
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  you can also teach them how to sell things themselves. I remember when I was a kid, we
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  went to there was a boot sale once we have to have boot sales before the internet. And
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  I remember going around the house and just finding all these old toys only about nine
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  at the time, and finding all these old toys that I never used
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  anymore. So we went around we got all the toys together.
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  We went to the boot sale and my mom said, Hey, you can sell the toys. So
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  I started selling the toys. And I remember I literally, I was
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  negotiating with some of the buyers on
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  the toy transactions. Like it was 10 bucks, five bucks, eight
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  bucks. And I remember they tried to negotiate and
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  I said, no, no deal. And so they said, okay, and they paid. I'm like, wow,
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  I won the negotiation. So like at a really young age, I was getting these
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  little did I know I was learning some of these skills on how to negotiate. And
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  my mom probably knew that was happening, but I didn't. And so
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  just the subconscious patterns that you develop in them by doing that is amazing.
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  So I remember saving up from selling my toys, $324. I know it was that
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  much because I went out and bought a Super Nintendo. So then I learned how to make
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  the money, but then I learned how to spend the money on stuff I wanted to spend it
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  on. And I still remember my ability to make the money, even though it was selling old
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  toys and then buying something else. My dad said to me, you know that Super
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  Nintendo was $324. And I looked up to him smugly and said, yeah,
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  I know I bought it with my own money. And I remember he's
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  like, I don't know where to go with that. The go giver sells more and the person
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  that sells more makes more. And so giving is a big part of actually developing
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  wealth. And you look at all the people who are rich in the world,
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  they actually gave the most value to society and that's how they develop wealth in the first
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  place. So you have to help them give, not just give money,
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  that's one way of doing it, but give their time as well, because
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  that's also more valuable than their money. So who are they giving their time to?
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  Who are they serving? My mom every year would go to St. Vincent's and
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  she would collect and run this team of all these people
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  bringing all this food for people who are doing it tough during Christmas.
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  So my siblings and I would go to the church, St. Vincent's, with her on the weekend, and
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  my wife, and we'd go around. and we pack all these bags full
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  of food in the bags and then we would when the people would
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  come we'd give it to them and so that was giving our time rather
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  than money to them because it's what they really needed the most and it was just those things that
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  you learn about how to give and it always weirdly someone
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  said to me once it comes back threefold I was like yeah right it does but it does so
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  if you give a lot you'll get a lot and so teaching them how to give is important as
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  teaching how to earn and spend Just quickly, if you're ready to take control of
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  your finances but feel stuck on where to start, I have a
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  solution. My book, Money Buys Happiness, simplifies investing
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  and wealth building with practical steps to help you achieve financial peace.
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  Get your copy via the link in the show notes and let's get your money working for
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  you. Now back to the episode. Then number six. Six,
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  you have to get them investing early or understanding the
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  process of investing. And in my day, my
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  day back then, there was no easy way to invest in stocks. There
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  was no fun apps like there are now, which we'll share with you in a second. But there
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  was like, there was really no way of really understanding investing. But
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  I do remember when I was about 10 or 11 or
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  12, my dad would take me to the real estate auctions. And he
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  would sit me down and I would watch these real estate auctions take place like the Ray White
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  real estate auction. So I'd sit there and listen as people bid on
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  and bought houses. And that was probably as close as I could see
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  to learning how to invest plus playing Monopoly, and so forth, but
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  I really didn't have the tools that young kids have
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  these days, what you can do now you can go and add a simple app
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  on your phone can add a micro investing app like spaceship or
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  raise or acorns depending where you live or money box in the UK, and
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  you can simply add one of those little apps, you can start with a little as $1. and
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  you can literally open up a child account called Raise for
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  Kids. You can open up an account for them. You can put the money in, you run the account,
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  but you can show them specifically, hey, your money tree's growing because you
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  put a little bit of money in here. Congratulations, it's gonna grow. And just by
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  showing them those simple concepts, they can actually learn how money grows
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  over time because you're literally showing them from an app. I mean, that's amazing you
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  can even do that on your phone these days, right? So, that's
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  number six. Number seven, get them hanging out with wealthy people,
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  right? Because you become the five people you
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  hang around the most. So, if you don't know wealthy people,
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  start to get to know them. If nothing else, for your children to be able to hang out
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  with people who talk about wealth. Robert Kiyosaki talks about his book, Rich Dad Poor
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  Dad. He used to hang around his rich dad with his rich dad's son. And he would learn
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  things by being around them. And a friend of mine once said, you know what Lloyd, success
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  is like a virus. You just have to hang out with people sometimes to catch it.
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  And thankfully, when I was younger, my parents understood this.
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  And my dad would, you know, we went to certain schools that allowed me to have conversations
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  with other kids about money. But also, as I grew up, I was attracted
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  to people who were successful. So I would like to hang out with them more
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  and more and more. hang out with my dad's friends who,
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  you know, were successful. And I avoided, most importantly, hanging
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  out with people who weren't successful, not just with money, but in life. And
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  so if you can, as a parent, just make sure your children are hanging around people
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  who are highly successful, they will also catch the success like
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  a virus, and they will start to mimic and learn and
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  model some of those behaviors at a young age. And if you don't know where to start with that,
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  get a mentor, pay for proximity or earn your way to proximity somehow,
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  someway, but get your children close to you. to them as well. And
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  number eight, you got to teach them that time is more valuable
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  than money. What I mean by that is teach your children to
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  actually value their time rather than just value
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  money. How? Well, rather than give them pocket money, perhaps incentivize
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  them to build a skill set and incentivize that with pocket money instead
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  of just giving them money for a task. You don't want to turn them into a task monkey.
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  You want to turn them into an entrepreneur and a business owner. So say things
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  like, if you do this, I'll give you this and negotiate with them and
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  teach them to do a lot of their own things because they can leverage chat
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  GPT, YouTube and other technologies that are available to
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  them today to be able to earn money without a lot of time. They
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  weren't available previously. So help them
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  leverage some of these technologies now so they can earn more by
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  doing less. And in which case you teach them how to delegate how
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  to deploy their capital to make more of it and how to systemize things
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  to be able to create a lot more time which I talk about in my new
• 16:16
  book that's coming up. become time rich, which is gonna show you exactly what
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  to do with that. So now we come to the crunch. What are the
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  five steps I'm gonna teach you right now to then teach your
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  children or do with your kids for them to literally become
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  a millionaire, right? This is a tangible step-by-step process
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  to over $2 million. So in effect, you're teaching them
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  how to become multimillionaires. Are you ready? All right,
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  buckle up, because we're gonna get into it. Step number one, get ready.
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  I know you can't wind the clock back, but At their birth, I
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  know, I know, they've already been born, I get it. But at
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  their birth can teach them this to teach their children this. At
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  their birth, invest $1,000 into
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  a simple index fund. Okay, that's the first step $1,000 into
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  a simple index fund, right? Step number two, Then
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  continue to invest $100 a month, which, think about it,
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  it's $25 a week. It's like, just change how, you
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  know, having a large coffee instead of a small coffee. Like, it's not that
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  much. $100 a month, invest in the same
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  index fund until the age of 21. Okay, I know that's
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  a long time, 21 years, but if you just put $100 away each
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  month into that index fund, considering it's gonna compound at,
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  say, on average, 10% a year, then step number three is
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  by 21, They'll have 109,000 invested, okay?
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  You want to put in 109,000, but the investment portfolio would be
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  worth about 109,000, okay? That's step number three. Now, step
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  number four is really complex. Oh my God, I don't know how you're gonna get through this. Are you
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  ready? Do nothing. Let
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  it grow. Just leave it there. You don't have
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  to do anything anymore. It should be called three steps because you've done the three steps. You're done.
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  The next step is to do nothing. Sit on your butt. Let it grow. Be
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  patient. This is a step because a lot of people can't be patient. They
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  need to tinker with it and touch it. You don't have to do anything with it. Just leave it.
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  Step number five, buy 50. Your
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  child is 50. Right? You've only invested $100 a
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  month for the first 21 years of their life starting with $1,000. That's all
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  you've done. That's it. You haven't added anything more. You
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  let the 109,000 compound until they're 50. And
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  now it should grow to about $2.6 million. Now
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  granted, I know, I know what you're saying. But Lloyd,
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  inflation, it's not gonna be worth the same when they're 52.6 million. So
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  what? It's still better than nothing, which is what they're gonna get if
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  you don't help them do this or understand this. It's better to
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  have 2.6 million in unadjusted inflation money than
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  nothing. Even if it's worth 800 grand or a million,
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  it's better than nothing. Wouldn't you love it if your parents had a million bucks
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  for you at 50? I bet you would. That'll help you buy a house, invest
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  more, travel more. This is so simple to do, a
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  thousand bucks. Add in 100 each month, stop at
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  21, let it grow. Imagine if every single family did that. Imagine if
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  they did that with their kids. And if you're too late to the party, teach them
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  how to teach their children how to do this. I know for certain.
• 19:22
  that we're going to do this with our kids. I know for certain. So when they're
• 19:25
  born, boom, boom, boom, boom, boom, boom, boom, boom, boom. I know what you're thinking. But
• 19:29
  if you do this for them and give them the money, they're not going to learn anything. And you're absolutely
• 19:32
  right. But what if you could do both? What if you could show them what you're doing
• 19:36
  and teach the principles at the same time, so that when they hit 21, they can
• 19:39
  continue compounding so they can continue to
• 19:42
  add the $100 a month that you did, because you've taught them the principles and
• 19:46
  you've given them a bit of a head start, a bit of a leg up, what's wrong with that? And then
• 19:49
  that money will compound into millions and millions and
• 19:52
  millions of dollars. So why can't you do a little bit of both? It's better
• 19:55
  than you taking the money and spending it somewhere else. Why not show them how to
• 19:58
  do it and do it with them? Of course, you don't want to just gift them money
• 20:02
  because we all know what happens there. They become sport brats. But you also
• 20:05
  don't want to do nothing. All right, because life's going to be harder
• 20:08
  for them and harder for them because property is more expensive, inflation's up,
• 20:12
  wages haven't caught up. I promise you the next generation is going to have a lot tougher
• 20:16
  when it comes to financial wealth creation. So why not just help them
• 20:19
  do both? Give them a little bit, teach them along the way and let them
• 20:22
  teach their children and so forth and break the financial curse that
• 20:25
  may or may not be on your family after the last few generations. Okay,
• 20:29
  so hopefully that makes sense. Go forward, do both, teach
• 20:32
  them and do with them. And that's how you can turn your child into a
• 20:35
  multi Now, I'll be able to do another YouTube episode in
• 20:39
  50 years and tell you how this went. But I'll be 91 then and
• 20:42
  I'll still do it. Mark my words, I'll be here. So you better subscribe because
• 20:46
  we've got a lot to come. Okay, so if you haven't yet, hit the subscribe button,
• 20:49
  go check out our other videos on YouTube, check out our Spotify podcast, leave
• 20:53
  a comment below, which step are you at? Or which way
• 20:56
  resonates with you the most? Leave it in the comments. I'll come and talk to you then and I'll see you
• 20:59
  in the next episode. Thanks for listening to Money Grows on Trees. If you enjoyed
• 21:03
  the episode, leave a five-star review on Apple Podcasts and Spotify
• 21:07
  and subscribe to us on YouTube so you never miss an episode. And
• 21:10
  if you're serious about building wealth, make sure to check out the links in the show
• 21:13
  notes and follow me on all social media platforms, at