Too many Investors have failed to fund their retirements adequately because of poor performance investing in individual stocks and 401k mutual funds. Consequently, they have given up stock investing, convinced the game is a loser for them. In this time of nearly zero interest rates, how does one provide retirement income? I rejected the quest for capital gain and changed my primary investment goal to income growth (cash flow). I became a "dividend farmer," buying stocks I visualized as "Money Trees." My stock trees produce renewable crops of cash dividends, either monthly or quarterly. Each position grows through reinvestments into additional shares further accelerated by increased annual dividend rates declared by the quarterly payers. My goal is to build and maintain a portfolio of high-quality companies that have a history of raising dividends annually and that figure to keep doing so for decades. In 10-15 years, that reliable, growing, inflation-beating dividend stream will complement monthly Social Security and pension payments, giving me predictable, dependable retirement income. This is my investing strategy. Off the beaten path.