Investing is often perceived as complicated, but the real challenge isn't understanding the markets—it’s overcoming fear and inaction. A 2023 Gallup poll found that only 58% of U.S. adults own stocks, despite decades of evidence showing that long-term investing is one of the most reliable ways to build wealth. The biggest reason people don’t invest? Lack of knowledge and fear of losing money. This chapter lays the foundation for financial independence by breaking down investment principles in a way that’s accessible to beginners. We’ll start with why investing is essential—not just for the wealthy but for anyone looking to secure their future. You’ll learn about asset classes, how to assess risk, and the simple steps to opening your first investment account. By the end of this chapter, you’ll have a clear roadmap to start investing, even with limited capital.