The Sefer She'erit Menachem quotes the Gemara in Bava Metzia which teaches an illuminating halachah. If a man borrows a thousand dollars and leaves a collateral with the lender worth far more than the loan, saying that if he does not pay back on time the lender may keep the collateral — the halachah is that the lender may not keep it. Why? Because it is obvious the borrower never really intended to give up an item worth so much more than what he owed. However, the Gemara qualifies: if a few days before the loan was due, the borrower was knocking on doors, desperately trying to come up with the money, then clearly he still wanted to redeem his collateral. The lender cannot keep it. But if a few days before the due date he was out drinking with his friends, showing no concern for repayment, then we assume he didn't really care, and the lender may indeed keep the collateral. The She'erit Menachem uses this halachah as a mashal for us during these days leading up to Rosh Hashanah. All year long, Hashem has been lending us life, children, sustenance, and countless blessings — all on condition that we use them to become the people we are meant to be. Now, as Rosh Hashanah approaches, the loan is coming due. Who can honestly say that he has "paid back in full," that he has fully utilized every gift Hashem has given him for avodat Hashem? But if, in these final days, we are sincerely trying — striving to improve, to recognize the gifts Hashem gives, and to use them properly — then Hashem grants us an extension. What we must not do is "drink beer with our friends," wasting these precious days in spiritual carelessness. Now is the time to reflect, to notice where we are lacking, to take concrete steps to grow, and if it feels overwhelming — to beg Hashem for His help. A man shared his personal story. He has been struggling in business for a year and a disaster struck: his pipes burst, and the entire sidewalk and driveway had to be dug up and replaced. The bill was thirty thousand dollars — money he simply did not have. Yet somehow he managed to come up with the full amount and pay it. It was then that thoughts of teshuvah entered his mind. He realized that since his business troubles began, he had stopped paying his tzedakah pledges. By now, he owed close to thirty thousand dollars. He thought to himself: If I could find a way to pay thirty thousand for pipes, shouldn't I treat my pledges to Hashem's causes with the same urgency? He resolved to try. With great effort, he managed to pay fifteen thousand, but after that he was stuck. He simply could not come up with more. So he did what a Jew does when he reaches his limit: he poured out his heart in tefillah. Three times a day he asked Hashem for help to pay off his full tzedakah obligations before Rosh Hashanah. Now, there was one man who owed him a large sum of money from a business deal. For months he had asked this man daily for repayment, until finally, six months earlier, they had come to an agreement: the man guaranteed that he would pay in full, but only when he was comfortable, and on condition that he would not be pressured again. He had not asked since. As Rosh Hashanah was draing near, he debated with himself: perhaps he should ask the man for fifteen thousand, just enough to cover the rest of his pledge? But then he told himself, an agreement is an agreement. He even thought, maybe this man has funds in his JCF account he could use to pay tzedakah on my behalf, but still he held back. He kept praying. Then, one day, he went to shul for Minchah, and there, unexpectedly, was that man. After tefillah, the man approached him and said: "Someone who owes me money asked if I had any unpaid tzedakah pledges that he could pay on my behalf. I thought of you — I'd like to let him pay fifteen thousand dollars toward your pledges through his JCF fund." The man could not believe his ears. That was exactly what he had been asking Hashem for. Exactly the amount he needed. Exactly the salvation he had been praying for. At that moment he felt how close Hashem was to him, how lovingly Hashem answered him. The message was clear: Hashem wants to help us. But first, we must show that we want to improve, that we sincerely want to pay back our "loan." When we do, and we turn to Hashem for help, He opens doors we never dreamed of.