“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.”

“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.”

“This self-destructive behavior is becoming more and more mainstream in our society today, because we like to keep up with the Joneses. We don’t consider the fact that the Joneses’ kids are not going to the university, and they will not be able to retire in comfort. Life should be better than that.”

“All our lives we measure ourselves based on our height, but during a crisis we should measure ourselves in-depth.”

“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.”

“God sent the Egyptians ten plagues that became increasingly harder, one after the other, starting with blood, and ending with the death of the first born. Similarly, debt sometimes starts with charging just a couple of extra dollars to our credit cards when we want something we can’t afford to pay cash for. Before long, it might turn into a second mortgage on our house. Debt can kill our future and take our house with it.”

“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. ”