“Luxury items are those things that are mass-produced by a third party and marketed to us to purchase so that we can express our individuality. ”

“The system that God has given us is a holistic system. This is why the Torah is concerned with how we treat others, what we eat, how we behave, and how we produce, keep and share our wealth. The word shalom reminds us that we cannot live in peace until we completely take care of all other aspects of our lives.”

“When we do those things, we’re actually filling a void in our lives with debt. It’s a slow but sure self-destructive process, and one that will lead us step by step into total depression and poverty. What we should learn is to try and respond to this kind of situation in a way that will bring light and prosperity into our lives, not more chaos.”

“There are just three things that you can do with Money: save, give, or invest. Somehow in here in America, with all our creativity, we have invented a fourth use for money: we can squander it”

“As we understand it, everything is in the Bible for one reason – to teach us a lesson. Thus, in the beginning of the Bible, we see how God budgets His time for labor, and He saves the seventh day for rest, or retirement. The concept of budgeting was created by God to give us a life of prosperity in the world He created for us, so we should learn to budget as a way to emulate God in our financial life.”

“Smart people always choose comfort over luxury”

“The first money memory that many of us have as children is finding a coin on the street, in the park, or while walking to school. Then when we picked up the penny or nickel and showed it to our mother or father, and they immediately told us to go wash our hands saying, “That is dirty!”