Chovot HaLevavot: Introspection on Money Welcome to our introspection series on Chovot HaLevavot (Duties of the Heart). We're now on the 20th introspection, which focuses on your relationship with money. Your bank account is the trigger for this powerful exercise. Look at your balance and ask yourself three key questions: How did you earn this money? How do you plan to spend it? Do you use it to fulfill your obligations to God and to other people? Re-evaluating Ownership The core of this introspection is to challenge our fundamental assumption about money. Do you see it as yours , or do you see it as a deposit that God has entrusted to you? This is a difficult concept to grasp. We tend to view our money as our own, safely in our bank account, a result of our own efforts. But the true perspective is that God is the owner, and we are merely the custodians of what He has placed in our care. He can add to it or remove it as He sees fit. This shift in perspective has profound implications. When you understand that the money isn't truly yours, you're no longer paralyzed by the fear of losing it. A bank teller doesn't worry when a customer withdraws money because they know it was never theirs to begin with. Similarly, you can be grateful to God for as long as the money remains with you, and you can accept any changes to your financial status without despair. This perspective also makes it easier to use your money for good. When you view your money as a divine deposit, giving charity becomes less about sacrificing your own funds and more about returning what was always meant for someone else. Money and Humility The Torah portion in Shemot 22:24 says, "If you lend money to My nation, the poor man who is with you." The simple meaning is that you should help the poor in your community. However, there is a deeper interpretation: "The poor man's money is already with you." This suggests that when you give, you're not giving from your own wealth, but rather distributing what God placed with you for the benefit of the needy. Rabbeinu Yonah discusses this in Sha'arei Teshuvah , explaining that a proper attitude toward money is essential for developing good character. He warns against looking down on those who are less fortunate. He quotes Mishlei 17:5 , which says, "He who mocks the poor taunts his Maker." Someone who looks down on the poor reveals a dangerous arrogance. They believe their success is a result of their own power and wisdom, a perspective described in Devarim 8:17 as "My strength and the might of my hand made me this wealth." This person believes they are self-made and therefore scorns those who failed to achieve similar success. In reality, they are cursing God, the true source of all wealth. As Mishlei 22:2 says, "The rich and the poor meet together; the Lord is the Maker of them all." An individual with a proper understanding of money—viewing it as a deposit from God—will never look down on the poor. This perspective, Chovot HaLevavot concludes, is one of the most powerful causes for cultivating positive character traits and eliminating negative ones. This introspection on money is not just about our finances; it's a vital part of shaping our entire spiritual and ethical being.