Confused by the stock market? You’re not alone — but you don’t have to stay that way.

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. You’ll learn what a bull market really means (and why it’s not about animals), why diversification can protect your money like a good raincoat, and how IPOs, dividends, and ETFs might already be part of your financial life without you even realising it.

Forget the fluff. There are no formulas here, no insider language, and no lectures. Instead, you’ll find real-world metaphors, everyday examples, and light touches of humour that make the financial world not only understandable — but surprisingly engaging. Ever wonder why people panic during “market volatility”? Or what it means when a company is a “blue-chip”? Or how bear traps and bull traps trick investors into losing money? You’ll find those answers here.

This book is ideal for:

• Beginners who want to feel more confident with their money.
• Students, side-hustlers, and curious listeners looking for financial literacy.
• Anyone tired of feeling shut out of the conversation when it comes to investing.

Inside, you’ll discover:

• What makes the market “tick” (and what it means when it doesn’t).
• Why understanding just ten terms can unlock years of investment confidence.