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Bulls and Bears is your plain-English guide to understanding the stock market without the jargon, the stress, or the headache. Whether you’ve just downloaded your first investing app, are thinking about saving for retirement, or simply want to make sense of what the financial news is saying, this book is for you. In ten clear and conversational chapters, Tharn Elwett walks you through the essential terms that unlock how markets work.

Do you have a groundbreaking idea that keeps you up at night, a compelling vision for a product or service you wish existed? This isn't just a fleeting thought; it's the genesis of every significant venture. Startup from Scratch is your essential roadmap, designed for anyone who dares to dream but isn't sure where to begin.

This isn’t your average book about finance. There’s no boring jargon or complicated math. Instead, this clear and friendly guide walks you through ten simple steps that make sense to younger listeners and build skills that last a lifetime. These are the kinds of habits that real financially free adults use—but simplified and reimagined for teens and young adults who want to get ahead.