Rabbi Binyamin Yuhanan - Laws of Maaser Part 2

[Music] [Applause] [Music] [Applause] [Music] [Applause] good morning today we're going to continue with learning about math said giving a tenth of your income to worthy causes and I will tell you a few stories that highlight the importance of it and we're gonna finish learning the halaqaat at the end of the class if you have questions on other topics we'll take time for that as well okay now I would I would like to start with with a story last time I told your story about Raban Yohanan Ben Zakai and his nephews how she saw a dream on Rosh Hashanah and he realized that since his nephews are supposed to lose money it's better if they lose this money towards sadaqa as opposed to towards tax collectors and today I'll tell you another story this story is about a it's a daca collector for yeshiva who used to visit a certain certain businessman once a year and as usual this time he calls him and asked him if he can meet him the businessman says yes rabbi but I'm telling you right away the business hasn't been going well and there's no way I'm giving you the same as every year so the rabbi says no problem whatever you give is good he came to him and they met and after the meeting he gave him a check so being a nice person he didn't open the check in front of the businessman he came out first and then he opened it and he sees it's for three thousand dollars he says doesn't make sense usually he gives me a thousand probably he made a mistake he probably wanted to give me 300 and by mistake he wrote 3,000 so he's thinking should I go back or not so he was thinking and thinking until he got home when he got home he called him and he said my friend you gave me a check and I noticed that you wrote it for $3,000 is that correct he says yes rabbi that's that's correct he says but didn't you tell me on the phone that your business is not doing well and there is no way you're giving me the same amount as every year he said yes rabbi what I meant is that I noticed that the matzo duck I give there more I earn and as I noticed that my business not doing well I realized that I'm not giving enough sadaqa and there were four I told you there is no way I'm giving you the same so I gave you more and he this businessman understood that a person is a manager of God's account Hashem gives him money part of the money is for him and his family and the rest is to distribute to poor people and those in need if he does the job well then Hashem will give him another installment and it will give him more money to manage and if he does the job poorly then Hashem will say I'll find another manager I sent this money for the poor people and it didn't get to them so then Hashem will take away the money from this person and find a different person as his manager the master is 10% most people separate myself after they earn the money some people however knowing this secret they say Hashem I'm going to separate masseur now and this way you have to give me the the 90% and some people actually behave like this throughout their business career before they would enter a business meaning they would calculate how much do I stand to gain from this deal let's say a million dollars so right away they would write a check a hundred thousand dollars to receiver to an organization and they would already prepare it and with that they would go to the business meeting and they would say Hashem please be my partner I would like to give this money to charity I don't have it yet let me earn this money and the money will will automatically go to charity and when you make Hashem your partner then you for sure going to succeed you're ready yes you're ready you prepared it and if you have the money in the bank then even better you can actually give it you don't have to give it away give it later because you already gave it right and it's actually a story about one great philanthropist who met with with again a person who raises money for yeshiva and he gave him a check and a few minutes later while that man was still in his office a phone rang and it was his broker and he said that his stocks just went up and he they calculate was almost exactly ten times more than what he gave but they noticed that was slightly more he gained slightly more than than ten times what he gave he says how can it be I gave you this amount and I earned a little more and his wife came in and she said oh by the way somebody came to knocked on a door and to collect sadaqa I gave him $250 and then they figured out that that extra two and a half thousand dollars again was from what his wife gave so that's another way of operating that you give sadaqa or you sign up you know sometimes organizations ask you to commit monthly donation so you commit to this organization and that organization that organization so it comes to a certain amount you didn't earn that amount yet but you already committed for the whole year but this way you are guaranteeing that you will have that income now we gave a few examples of what is considered income that you have to separate 10% and what is not so I would like to give you some additional examples what if you have rental income you have your own house that you live in and you have a few properties that you rent out do you have to separate myself from the rent that people pay you so yes rental income is income of course you have to subtract all the business expenses and whatever money is left afterwards you separate 10% however what if you yourself and that happens I know some people like that they themselves rent out their house and instead they live in an apartment because they say why should I live in such a big house it's not worth it I would rather rent it to others for much more and for my small family it's enough a small apartment so in such a case you living in an apartment becomes a business expense because if you didn't have to rent out your house you would just live in your house you wouldn't have this expense so the rent that you pay in an apartment you can subtract from the rent that you get from your house and that makes sense yeah you would subtract your mortgage as well whatever expenses you have why not the the mortgage payment is is is in expense as well in order to have this business running you have to make monthly payments yes so if you would be living in your own house so then you wouldn't have the income because you want to use it as your business now you're forced to rent elsewhere so that becomes your expense but which part of your mortgage is consider the business expense only the only the interest part of it because because the the principal is your savings account whatever the house costs and you're paying for it that's gonna stay as equity and then when you sell the house is gonna go to your pocket right so you're just putting the money into the the value of the house so you're not spending it if the market goes down has the Shalom and then the price goes down then you can subtract it from your income but but while you're paying mortgage the principle is is not deductible but the interest is if certain things don't apply to you then you don't have to worry about yes yes okay yes one more example we said that babysitting that you need only because you're going to work is deductible babysitting that you're just doing for your own convenience or for the child's needs that is not deductible and similarly with domestic help if you need to hire cleaning lady if you didn't have to go to work you wouldn't need to hire cleaning Lee you would do everything yourself but because you're working and you're busy and you need to be at your job now you need help in the house and because of that you're hiring a cleaning lady or 90 that is consider the business expense same idea they care if you would keep your children at home if you were home then it is a business expense the only reason why you're sending them to daycare because is because you need to be at work but if you would send them to daycare anyway even if you were home then it's not a business expense because you would have done it anyway for yourself if your business requires or your job requires you to take a seminar to take a course to travel to increase your knowledge all that is considered part of the business expense and at the end of the month you can subtract those costs from your income why not yes yes anything you do for business right that is a business expense yes if they reimburse you then yes now one more question what what about taxes that you pay but they will be returned to you when you retire right now you you're taking 10% off from what you get but your job also deducts for whatever it is for 101 K yes and then eventually you're gonna get that money like Social Security yes pension and other things like that so these things even though they are on your account and eventually you're going to get them you don't have to pay to master on them until you get it later when you retire and or if you choose to take it out earlier then whatever net amount you get you would separate ten percent from that yes social securities is income yes yes so then if that's true that you could get a cheaper or free insurance if you didn't have to work then you can count it as business expense but if let's say you would say no I don't want to rely on that or I want this specific company this specific provider this specific doctor and I would pay it anyway right even if I didn't work so then not a business expense if you would have the same insurance even if you didn't work then it's not the business expense even if the only reason why you're getting this insurance because you're working and that's what you have to get then it is for example if if you earn more and because of that you say you know what now that I'm earning more I can afford better so that's your own personal expense not something that your job requires and what about you hadn't you had an accident has a shallow and then the insurance company is paying you and they're paying you more than the the damage so then whatever is more than the damage is is income you you're getting this money you so you subtract whatever it costs to fix the car but whatever is left is is income now yeah that's right that's the that's the income now there is a famous rabbi who passed away recently his name is rabbi Haim Pincus Sheinberg and people people often asked him questions on any topic you can think of and he was known as a lenient opinion however the only area in war that he was strict was master and that is because he said if I make a mistake and I tell people to pay more than they really have to then if they give more charity they're gonna get it back Hashem is gonna pay them back but if I make them mistake the other way and I tell them to give too little and they end up giving less than they're supposed to then they're gonna lose the money because it's not theirs and they're not gonna get the Mitzvah so in my cell he said if you have any doubt you always go on a strict side because that's a safer side whichever way you go because again you realize that whatever you're supposed to get you're gonna get and if you share with others Hashem is gonna give you another portion and rabbi moshe feinstein he's he used to say that people ask him all kinds of questions but they often forget to ask him about raising children and about mas said people think it's simple the child is growing I'll figure out how to raise him and the same thing master what can be easier just you will have your own 10% and I'll figure out myself what I have to and what not so he said this is a halacha question whether it is raising children or giving my said as any other area of life now what does does Shahana do require us to give we said that we separate myself as min hug as a custom and within this custom there are various levels the Shahada says that a person who cannot afford it all he has to do is give sadaqa about a cent a day or about three to five dollars a year that he fulfills his requirement if he is able the average is 10 percent average person should give 10% if he gives less than pay 10% he is considered if he if he can't afford if he can afford it and he gives less than 10% he's considered stingy if he gives 10% he's considered average if he gives more than 10% he's considered generous however he says that a person who does not depend on his check month-to-month which means he is comfortable he has a running business he has a few sources of income or his emunah is good enough that he is not worried he says the idea for a person who can afford it is to give 20% we mentioned that this is what Yaakov Aveeno promised Hashem he said virologist eternally I said as a new lock whatever you give me I will separate 10% and I'll separate 10% again and that's to here the 20% and also we see in in profits there is actually a promised that whoever separates master and some say that refers to 20% he will see unlimited blessing so for an average person you can expect that if you separate 10% you will get much more than you gave away and many people have testified and I can testify to this myself that whenever you give masseur it comes back it comes back in greater quantity and whenever you feel you know now I cannot afford it and you start diminishing then for prolonged period of time you have to live barely making it and once you start increasing it then you have more often often it is just in your mind often you are scared and you feel how can I was going to be I have to save for as you say in English natural needs in for a rainy day and if and if you have that worry you feel you cannot afford it same thing if right now Hashem sends you an opportunity to help somebody who needs it more than you might need it in a future so then your responsibility is to say I see a sign from a shame that this person is the one that deserves this money yes that's a good question what if a person lives at home and they work this single they work they live at home do they have to separate myself so here the proper thing would be for a child that lives at home or anybody who lives and benefits from others is to share in the expenses if the parents need your help it would make it easier for them then of course you have to share in in the expenses if they however let you keep your money then it's your income and you would have to separate myself from it but again keep in mind that instead of just keeping it all for yourself you should pay for your share of expenses for your parents to some company do I first have to offer them my 10% yeah we're going to talk about who gets the your charity first however I just want to say as another story before we go into that there's the famous story about knock demon ben gurion in the Gemara it says that he was one of the richest people in israel in Yerushalayim at the time of the destruction of the temple and eventually he lost his money and his children became so poor that one time the rabbi's met his daughter and she was searching in a garbage dump for grains that went through the digestive system of animals that she could eat and they asked her whose daughter are you and they told him I'm the daughter of nag demon Ben Gurion and they were of course shocked but they understood why it happened they said Hashem punished him for not giving charity according to his level and now if you know what kind of person he was you would be surprised by the statement what do you mean he didn't give enough charity the the Talmud says that whenever he would leave his house to go to synagogue to go to his business servants would go in front of him and they would unroll new carpets he would walk on them and afterwards they were free for all to take and the poor people would go and take these carpets and that's how they would earn a living that just one way he would he would help the poor which means imagine how many miles he walked every day and everywhere he walked carpets and silk were spread under him and afterwards it became property of the poor people and Thomas speaks about other other ways that he helped the the poor however the Hakka meme say he had so much wealth that it more was expected from him and because he did not do according to his stature it was considered that he didn't fulfill his obligation and because of that his wealth was taken away from him so among the Jewish people there is such a such a concept of 90% club and these are Jewish businessmen who give 90 percent of their earnings to charity and they live on the remaining 10% and really this is something that many more can achieve an F or afford because we say that whenever your income increases your lifestyle becomes more and more fancy your dreams become greater and your hunger for money becomes even greater what if a person at the beginning of his career would would define what lifestyle would be ideal for him and his family and he would write it down and stick to it and as they get more and more wealthy they would not raise that level then eventually they're gonna reach a point that their income is going to be so much greater and that means whatever they earn more than their preset lifestyle can safely go to sadaqa for example let's say you say to yourself between you and your husband and your children and you decide you know what with our current lifestyle who just raise it a little bit to be able to offer whatever we need let's say whatever the figure is it now in New York let's say 200,000 if we have that amount a year we're going to be happy what if we earned a million does it mean that now let's all of a sudden move to a different neighborhood buy a better house buy a better car that's what usually happens or no we decided that 200,000 is enough for us that means if I earn a million the extra 800,000 I don't need so I can give it out what usually happens is that people raise their living standard and to support it they say now I have to read in the vest whatever extra money I have to earn even more to match the people that now I live among and I hang out with and now I have to afford better vacations and better cars and and everything else must be better and as I spoke to one person he said this is how yetzer Hara tricks him he said rabbi right now if I give sadaqa I'll give a hundred thousand a year but if I don't give this a hundred thousand if I invest it together with the rest of my money in a few years from now I'll be able to give a million dollars a year and if I don't give that million dollars and I wait another five ten years I'll be able to give ten million ten million dollars every year isn't it better that I should wait ten fifteen years and not give master so that I can give much more if I continue giving a hundred thousand Wow every year that's what I'm gonna stay with right right we don't know the future right right and that's what I told him that I know personally many people who were multi millionaires or billionaires for some short period of time for long period of time but eventually all of them lost their money and I know one person in particular he lost probably 99% of his wealth and instead of a billionaire now he's just a millionaire but 99% of his wealth he lost however for about 40 years when he was the billionaire he supported so much and so many yeshiva schools synagogues were built because of him and there is a famous rabbi rabbi Ezreal Talbert he he used to be a multi-millionaire himself and then he lost a large majority of his money and he says that too along with me many of my friends lost money and they were all crying they were all depressed they couldn't continue living and they asked me why are you so happy you lost so much money just like we did and he said when Hashem gave me the money I used it well I know that I did my best with the money I gave so much charity I opened so many yes she would call the name now that Hashem decided that it's time for me to be on a different level fine I'm happy that when I was given the opportunity I used it well and they regret they said they'd say we had opportunity to do so much with our money and we lost it we didn't give it when we had it and now we want to give it but it's too late we don't have it so that's very true we don't know how long we're gonna live we don't know how long we're gonna live with this income and not less we don't know what Hashem plans are but what we do know is that whenever Hashem sends us somebody who asks for help that's a sign that that's what we need to do and so Hashem in ten years I'll be able to open ten New Year's Eve bash em says that's not what I want I want you to open one yeshiva now so now let's go into this topic of who gets the money first who gets larger part of it who gets lesser part of it since we are considered managers of Hashem account when we give charity we are supposed to be responsible managers and we have to distribute to the money to those that are truly need and the better job we do the greater our investment will be if I can help somebody who needs it more and instead I choose somebody who doesn't really need it then it's a bad investment so the general rule is that most of your money should go to causes that you yourself know that they are good minority of your mind you should go to causes that you are less sure of and if somebody approaches you on the street and you're not really sure if they're honest or Jewish maybe they really have more money than you and some people they are and also much people that they have an addiction to get more and more money and they really have a lot and they have houses and they have plenty right so if you don't know then you can still give them but what you give them is minimal you can give them a quarter you can give them a dollar but more than that you really have to do research and find out if if if they are really in need and if they're not lying so if somebody is asking you for food then usually you take it more seriously and you can offer them I can buy you some bread I can buy you a bagel if they say no no just give me money I'll buy for myself then you have to be cautious but but again Oaxaca meme say that the fact that there are swindlers is a good thing for us because we can come to a shame and we can say the reason why I didn't give sometimes is because I wasn't sure if they are artists but imagine if everybody was honest then you would have to give all the time so now before you ask the question just let me say a few more rules on who gets the first priority the closer the person to you the greater is your responsibility towards them so if it's your own parents or your own children or your own siblings that are in need you have to give them first if it's your relatives then they come next if it's people from your neighborhood they are next people from your city maybe another neighborhood but from your city come next and then people from your country come next and then people from other countries would means and that makes sense Hashem put you know in a certain place in the world and surrounded you by certain people that need to interact with you and depending on the interaction you see when Hashem wants from you if the person who is in need is closer to you in the relationship or in proximity that that that is a sign that you are more responsible for him since you are closer to him by blood or by space you have to take greater care of him if you have more resources or you divide your resources between them you can give smaller portion to people in other countries now among other countries if it's people from Israel they take precedence as opposed to people from other countries besides the United States now yes yes because again it's more your responsibility but again you have to take things in perspective if you have a poor person in either the United States and the poor person in Israel most of the time the poor person in Israel is much more poor than a poor person in the United States here there are many government programs that no matter how poor you are you'll have plenty of food and you'll have whatever basic needs you have even the shelter and food and a phone and and health insurance whereas in Israel many people really don't have what to eat and therefore what we said is everything being equal if you have people that are in a similar need than the one that is closer to you takes precedence but if one is suffering much more than he takes precedence even over someone who is closer to you now in circumstances who gets first what is considered the higher level of charity so we say of course poor people come first but if you have poor people who are learning Torah they come first if you have poor people who are observant as opposed to prepare Bhuvana not of course poor people who are observant come first therefore if you know somebody who is learning Torah and they're poor they are the first priority so it goes Torah learning whether it is a institution like you Seva organization like Emmet or a private individual like a kollel person that comes first then come poor people then come people who need to pay for medical expenses and then come all the other people who are in need and by the way not only somebody who is extremely poor and who doesn't have what to eat is considered a poor anybody who is struggling is considered poor which means even a businessman who is is rich but right now he is struggling because he is trying to save his business so he is trying to save the deal that he invested in and he doesn't want to lose a lot of money because of that he needs a loan or he needs some help temporarily he's considered somebody who deserves to be helped and one more rule is that there are different levels of giving number one is to instead of giving charity to give a person alone because when you give alone it's not as embarrassing as receiving charity when you receive a loan you feel like you are an investor you're a businessman who is taking along he's investing and through that he's gonna become rich which means that if you know somebody who is struggling and you can help them by giving them money to invest in a bit even though you're gonna get your money back but in the meantime those months or years that you cannot use your money that's considered the greatest kind of charity because you help somebody without embarrassing them similarly if you give a person a job work or business you find him clients where you become their client that is also the highest level of charity because you're giving them part NASA livelihood without embarrassing that's them and therefore let's say you have a Jewish business that's struggling even though they are charging more for their services it's still proper to give the business to them because by doing that not only you are getting for yourself the service that you want but you also doing charity and sometimes you can even subtract it from your mindset let's say you have the same thing online for $100 and you go to a Jewish business and it's hundred fifty dollars and you say you know what I'm gonna give them the business because I know he's struggling I know he told me he is - to pay tuition I'm gonna go and I'm gonna give him extra fifty dollars and I'm gonna take this fifty dollars from myself because I really could have spent only a hundred dollars online and it's as if I'm buying it online I'm giving him sadaqa but if I will come to his door and say here I bought something on Amazon and here's $50 sadaqa he's gonna be embarrassed if instead I come to his store and I buy the object from him he's gonna feel good without embarrassment he's supported - very Jewish now if you feel that these people are not struggling the the wealthy why should I support them still deserve its however that's more limited if you know this struggling you for sure have to help them and if you do it on purpose knowingly you can subtract it from your mindset if you don't know if they're struggling or you've you know they're successful business it's still a mitzvah to support the Jewish business than a non-jewish business however here there is a limit the the the price it can only be a little bit higher if it's much higher you don't have to go shop at a Jewish store and if you decide to still do it you have to know if they're struggling or not if they're struggling you can subtract it from your Marcel if not know your ma your all money you give us the law you already gave muster on that money you already earned it you separated Marcel now now you have this clean money you give it as a loan now it's possible to take your own math ceremony and instead of giving it as charity to use that master money to create a fund let's say you have ten thousand dollars you can either distribute it as charity or you can set it aside and make a special account as your loan account and whoever needs the law $1,000 $5,000 $10,000 you give it from that account one day you bring it give it back you put it back but you know that this is not my money this is master money and there are Jewish organizations it's called gamma where you put your own money there like a savings account and they use that money to give loans to people and whatever you need the money you take it back in the mean time every time they use your money to give out loans you get a great Mitzvah the highest charity possible yes you're saying that if you give the money to somebody and they lost it so yes so here before hand you have to make certain conditions do you want the money back or not if you want the money back then you have to ask for a guarantor why not its master because you are helping the person with the loan it's just free they use it to grow their business and yes separate your two options either you take your regular money and you give it to people as low this way you don't lose it you get it back another way is use your master money to create a loan fund and either you get a guarantor and you insist that money should be paid back or ahead of time you say you know what I trust this person I know they're honest if they cannot pay me back it means that for sure they tried their best and they couldn't and I forgive them and in such a way since the money to begin with was masseur you can just forgive it and let it be my master as charity and if it was your own money then in the future you can subtract it as myself which means if you gave someone alone and they couldn't pay you back then you can subtract it as master in the future [Music] whenever you get requests if you can afford it and it fits within the priority list you have to do it however if you have limited resources and you divide your money in such a way that the further the higher priorities take precedence and you already committed and so you run out of your Marcel funds and you cannot afford to give more from your own money then you don't have to answer those those requests some people have policy that they don't just say no and they send something it doesn't have to be a lot it could be five dollars ten dollars but at least something they send now we mentioned just the highest level of charity and that is either giving a loan or giving a job this you do it in an honorable way the lower levels the second level is you give charity but you don't know who is getting it and the recipient doesn't know who is giving it which means let's say they go to an organization and the organization gives money to the poor people they don't know who donated the money to the organization and whoever donated they don't know who is getting it it's all done confidentially so this way they're not embarrassed and at the same time you don't know who got it and you're doing it this way you're doing it for the the the best reason not because I want to next time see that person and say I supported you even though if they don't know it but I feel good knowing who I supported so it gives me pleasure since I'm getting pleasure from giving that already takes away from the the reward the next level is or next two levels is either if the giver or the recipient knows about it one of them let's say the giver knows but the recipient doesn't know so this way the recipient is not embarrassed or the other way the recipient knows but the giver doesn't know and again the recipient is embarrassed to ask because she knows who gave him but he knows that the giver doesn't know that money came to him and the next level is to give money to the poor person while you're knowing who you give it to and he knows who's he's getting to but you're giving the money to him before he asks you you note that somebody is struggling and you go to him and you say I want to help you I have extra money or someone gave me I have this to distribute here I would like you to have it this is the next level the the lower level is if the poor person asks you for the money and you give it to him the next level is the poor person asks you for the money and you give it to him but you cannot give him the full amount you give him only partial amount and the lowest level is he asks you you give him partial amount and you do it with a heavy heart you don't want to give you feel you don't be embarrassed or you feel he's forcing it out of you you give it to him and you really don't want so that's the lowest level it still counts as charity it's still a mitzvah but that's the lowest level so what about non-jews we still are accustomed to give to non-jews and we do that for the purpose of creating peace in the world if we would only give to Jews and not non-jews that would create bad feelings and therefore we are allowed to support non-jews but of course in the priority list it's the highest priority and we give them but not large amounts you can give your mindset but again in your priorities your family your community come first right of course yes whenever you do cressid counts and by the way the one of the reasons we do we do Hazzard Master sadaqa is not only to help the poor but also to change ourselves right it says what does the poor more does the rich do for the poor than the poor test for the rich right so every time we give we become better people we become givers and therefore we have a rule that if you can give $100 to one person or one dollar 200 people you should rather give 1000 rupee because the act of kindness times a hundred is gonna do more for you than a big act of kindness once so even giving a non-jew or giving a homeless person on the street you don't have to give a lot a quarter a dollar but every time you do it you become a better person yes yes if he's pretending yes so if you know that's if you know that somebody is lying then you don't have to give them you don't have to give them unless you are you know for sure that they're poor let's say a person knows that unless he pretends his someone he's not he's not gonna get any money and he really is poor so you you give him because he really is suffering but if you don't know and you know they're lying you assume that it's they they they don't need it yes it's not wrong to be responsible and to save enough for your survival but how much you save is a different story for example depending on your level the the words at the kiemce that would try to use up all their money that same day because today Hashem gave you tomorrow is gonna give me again I don't have to say for future but if you're worried you can save a good amount is to save enough money so that you can live off of it for one year which means if something happens the business doesn't go or person loses a job or whatever else I have enough money to support my family for a year and would during that year I'll find other means of supporting myself when you're 70 60 you know what right so you look you look practically added you say percussion I have a few children but Hashem I have a house I have this and that in case of need I'll sell my house in case of me and my children will help me it's not gonna be the end of the world you don't need to have the house have investment have enough money for all your children for college have enough for the retirement and for 80 day as well one can solve all of it you don't have to worry about your children's college if you have an investment or a house that's already enough of a protection for the rainy day and you can already lead live peacefully ever after and let me leave you with one more story and that is a sad story it was there was once a man he he met a friend and she said you know there are two people in my life I cannot forgive I cannot forgive the rav of Kovner the city in Europe and the Panavision of what happened what did they do to you that you cannot forgive them she said they used to come to me and they used to ask me for sadaqa they used to beg me they used to always try to to inspire me and I gave them every time they came I gave them but I'm upset at them why didn't they force me to give all my money to Sadako why she said because because the Communists came and they take they took everything and they sent me to Siberia because I was rich and if they would take my money these two rabbis then I wouldn't have to suffer and I wouldn't have to feel bad that I worked all my life and my parents worked all their life and my grandparents worked all their life to save this money that I had now and it all went to communist society now I feel so terrible that for so many generations we worked for Stalin and this is a story that many of us can can relate to because our grandparents and great-grandparents for the blast how many centuries they were collecting and collecting money until the revolution came the Communists came and took everything away and because of that saving they sacrificed Torah learning they sacrificed mitzvot observance often they decided not to have a child and all for nothing and even worse than nothing they supported their own enemies because of their money they were punished many of them were killed and exiled so if you have opportunity to invest in your spirituality in your children or in your career in your houses in your business make a smart choice because your children will always stay with you your spirituality will always stay with you however your money your houses your cars nobody can guarantee and the history repeats itself and we don't want to build victims of the same same thing that happened to Jews in Spain Jews in Germany Jews in Russia and hasta so it shouldn't happen to Jews in America so visitation we should all live long with our families and have plenty of partners ah to support ourselves and others and keep in mind that we are managers of God's account and we should approach money with with this view and this will give us serenity we don't have to worry about where my mind is going to come from we don't have to grab and collect say we can share we can help and the zetas Shan will enjoy our money in this world and in the world to come shall go at all all the best you