Untitled AI art by @Turistas

Design a modern and professional book cover for 'Passive Income: Be First in Line' by T. B. Sterling. The cover should reflect themes of financial independence, wealth-building, and smart investing. Incorporate abstract digital elements, an upward-trending stock chart or bar graph, and subtle financial symbols to represent passive income growth. Use a clean, contemporary design with a dark navy blue background for a solid and trustworthy look. Add sophisticated accents in gold or white to highlight key elements, ensuring a premium feel. Typography should be minimalist and bold, with the title 'Passive Income: Be First in Line' in large, easy-to-read sans-serif font. The author’s name, 'T. B. Sterling,' should be positioned at the bottom in a smaller yet distinguished typeface.