Are stocks and shares a mystery to you? Do you dream of a financially abundant future where you can live life on your own terms? This accessible and straightforward guide demonstrates how stock markets can be used to generate passive income streams - money that comes to you for doing nothing at all! Over the long term, you too can build incremental cash flows and work towards true independence and freedom! This book includes the following: PART 1: The Rational Basis for Income Investing; My Journey: Better Late than Never!; The Pursuit of Wealth: A Moral Conundrum?; The Spectre of Inflation; Government and Pensions Won't Save You; Investing and Speculation: An Important Distinction; The Power of Compounding: Building Cash Flow; Developing an Ownership Mindset; Getting Started: Taking the Reins PART 2: Stock Selection and Valuation Principles Dividends: The Cornerstone; Market Valuation; Financial Health; Management Effectiveness and Quality; Margin of Safety and Economic Moat PART 3: Putting Things into Practice Building a Portfolio from Scratch; International Investing: It's a Big World Out There; Passive Investing Strategies: Taking a Back Seat; A Word on Mutual Funds; Mortgage or REIT?; When to Sell; Evaluating Performance and Success; Closing Thoughts and Reading List