Can Money Buy Eternity? - MUSSAR Pirkei Avot (113)

[Music] uh good to be here Miami um tonight we'll uh continue our series with number 113 and uh start a new mishna uh very very interesting mishna talks about money which is uh very uh I think it's common to talk about money today people like talk about money right okay uh well talks about money talks about the uh uh importance of money in life how important it is how unimportant important it is how valuable it is how worthless it is what can you use it for is it truly something that's useful for more than just buying uh bread and milk or is it just something that uh it's not such a big deal and people are wrong um if you notice the last couple of mish have talked about different types of students different types of people character traits and this mishna continues it it strategically and divinely inspired to be put exactly here after those two the mid says that uh this mishna which uh starts off with there are four types of donors to to charity it talks about four types of donors four types of personality types and how they uh how they connect to money what their attitude is about money if you notice the last two Mish also had four types where we had the um four types of character traits of of people that get angry you know they get angry quickly they get angry uh slow also the four types of students that uh in regards to how fast and how sharp they are in their retention uh to learning learning Torah especially how they uh remember it or forget it and here this mishna is put here and uh goes continues the same four typee of model but it's not just the four aspect of it that it has in common with the other Mish it's actually much much deeper than that so the uh mid says that this mishna is strategically placed between these two other Mish to discuss various types of students because it teaches that the value of supporting uh Torah Scholars Torah work kiru anything relating to publicizing aem's name and his truth toat and how people that have means people that are gifted with money and engage in this type of Charity can actually find a way to by themselves with money it's possible but we'll see how it's not so easy just because you give a million bucks TOA doesn't mean you bought could be you B yourself getting know depends what kind of Isa but needless to say this is something that we already learned from when we learn about the sons of yobu and we learn about is had a very special relationship where is was the that learned Torah day and night and according to the mid it says it literally was day and night meaning 24 hours a day his body never went to sleep because simply his rest was learning tah he didn't need to rest like we do because his best state physical and spiritual state were the same he Sanctified his body to such an extent that for him he felt better rest while learning Torah us we open a book five minutes later we fall asleep it's like a sleeping pill sometimes but him he learned to he could be awake for a year so this is how it made sense to him to have a deal with his brother's vun who even though he himself also learned Torah he still spent most of his time uh in uh in um business in Commerce but he wanted to make sure that he has a full share Ina once he gets theit the real world real life the one that stays forever the one that's Eternal he wanted to make sure that he has Torah there he knows that the business that he's working on is uh not going to be enough so he made a deal with his brother made a deal with he says listen you study and I'll Finance the whole thing and that's actually the real relationship that a lot of people make a mistake thinking that if they give some in or in b or somewhere else around the world 500 bucks or a th000 bucks a month it's yes it's t yes you're supporting a but you can't say necessarily it's a 100% unless it's one of there's two doubt there's two opinions of what it's supposed to be for it to be a full partnership meaning of course the $1,000 or the $500 or whatever the amount of money that you're giving is buying you a certain portion of Torah of course there's no question about that how much it is depends on the relation depends on the What's Happening Here why because if somebody thinks that they're going to pay 500 or a thousand and they're going to get a half of the Torah or in essence the same Tor let's say for example if he's studying a 100 hours you're going to get 100 hours he's going to get 100 hours because Torah doesn't divide 50/50 the Mitzvah is like fire mitvah is like fire if you take one candle and you want to light a second candle when you light the second candle the fire of the original candle doesn't change stays the same stays the same doesn't go down the fire of the original candle doesn't uh go down because you lit a second candle or third candle or fourth candle or 500 candles the original fire stays the same that's also a mitvah a Mitzvah if you have a partner in a Mitzvah it doesn't go down doesn't go down we're actually going to learn here that in some cases it goes up in some cases it goes up but with the deal of if someone let's say for example wants to donate money to an or someone wants to donate money to K or someone wants to donate money to some you know to a let's say besset each one of these things has different types of rewards and a reward system of how hem pays you the reward now with the intention here is to have the same relationship we heard about and learned about year after year between the brothers the sons of yov of how they judged it in sh that both of them had the same Torah had the same Torah how could it be both of them learned Torah but learned 24 hours a day I know maybe learned five hours a day so how could 5 hours be 24 he says oh he paid all the finances so how could we do the same thing if a person wants to have the same type of deal where you really want to have an equal share then there's two opinions one opinion is that you have to pay all of his expenses the the one that works also has to learn Torah obviously he can't not learn to has to learn some level of T so he knows what to do with his own life but in order to inherit the extra Tor that the is learning all day and all night not like obviously but you know like a normal person in today's world um to have an equal share in his toah he has to pay all of his expenses so if he has expenses if he has a family kids and so on his expenses let's say is $4,000 a month $5,000 a month you have to pay if you want an equal share you have to pay the four $5,000 a month meaning that if you pay $1,000 a month it's good it's good but it's only 25% share cuz he can't live off of your $1,000 you can't get all of his Torah for only 25% of the effort that's not a fair relationship hasem is not a cheater people think you could just cheat the system you give some guy 20 bucks and that's it you could do you got and he got and he's poor in the streets so this people need to use a little bit of a little bit of common sense to understand you cannot buy a full partnership with uh 25% of the expenses that's one opinion one opinion is you have to pay all of his expenses whatever his expenses are if it's 4,000 if it's 5,000 if it's 10 whatever it is 10,000 a rich maybe so now that's one opinion the second opinion the rich people are not going to like it poor people going to like it why because it doesn't make a difference to them they don't have that much money anyway but a rich person not going to like it why because second opinion the say is you actually literally have to give him half of the income half of all the income you have if let's say for example you make 10,000 a month he gets 5,000 you get 5,000 if you make a 100,000 a month he gets 50 you get 50 if you make a million dollar a month he gets 500,000 you get 500,000 that's the second opinion most hold by the first one I'm not sure if they hold by the first one because they know most are not going to hold by going to actually do the second one and it's a uh almost like a wasted effort to tell them this is what the real thing is needless to say it's a more common opinion that uh at the very least a person needs to know that if they want to have a real they have to pay the full expenses on the website on.org we have sponsorship programs anyone that wants to sponsor the that we have we work with and sponsor every month we have several families that we help every month and uh each we say real prices you want to buy one week of an I think I don't know $600 $650 whatever it is you know somebody told me one time wait a minute $600 I have my I pay him the whole month $600 I said okay great but you're not getting his old Torah he go what do you mean but he said said no he's desperate mein what is he going to tell you he but in sham they're not going to accept it he could tell you whatever he want but if it's not doesn't work that way he can't change the rules what is it like the brother of H came to him he was very very rich and he said to listen I have all this money I don't need all this money you don't have any money let me just give you half my money you give me half your MIT head of has a brother he loves his brother he doesn't uh there's no animosity he loves his brother he wants to to give him and he wants to do it well why not my brother I love him I want to give him half my MIT he wants to not even for the money just because he wants to give the money okay you want to give the money I'll do kiru with it I'll build K I'll build yes Mo all types of good things fine no problem and Sh came out and started laughing started laughing you think you could buy the mitv now after he finished you can't buy the mitv after he finish even if H says yes and sh they say no you could only buy the Mitzvah before it's done you could only buy the Merit of Rada before he becomes radya not after he becomes when he's a little that no one knows and no one likes and no one cares about that's when you could buy after he's it's not the same thing oh you donate $500 to Shalom you think you got half his one time when Shalom was still young young boy he uh went to a betet a very fancy bukari inet the bukharians have a very unique style very unique beautiful style how it's m you could tell that it's a uh unique Nation unique people within obviously am is the point is is that it's the original barkarian style is very unique very flashy beautiful and so on gold and colorful their food is like that also and their personalities so he went to a uh bukari and one time and uh he's learning tah over there as a young boy and uh he need realize he needs another book so he looked for the book looked for the book he saw it's all the way on top of the Shelf it's all the way on top of the shelf so he has to get there there's no light he couldn't find the ladder so he climbed on a couch that they had over there now it's a very very fancy couch very beautiful couch very uh couch expensive and so on and he has you know dirt and mud on his feet and everything and he's trying to climb the couch the gab of the he what are you doing what are you doing starts yelling at him you know what EXP of that couches and as AEM would have it always things in the perfect precise time the biggest the biggest richest guy in the whole sh the whole KLA the whole Community walks in at the same time this is happening now he was so rich his coat was gold his coat his coat had gold on it and he sees the little gabbi of the Sho that they pay the gabai to run the Sho they pay him to tell people don't ruin the SHO he sees the gabai yelling at little he yells at the at the gab goes what you're yelling at a yelling at a SE shame on you he takes off his gold jacket immediately he puts it on the couch he goes here step on this step on this he goes what do you think we have the shoe for what do you think the Sho is for fancy Sho is for him for seph Tora like this for people like him learn Tora he wasn't yet he didn't know he's going to become he didn't know he was anything special he just knew a little kid learning Torah if it's of course he should put himself there Step On Me no that's not that's not appreciation of anything no we're talking about before he's when he's a little boy he says step on the coat why the whole thing is for you the whole B all the fancy all this is for you for you to learn Tora not for the couch unfortunately in today's world a lot of people forgot about that they build these multi-million dollar establishments and the Torah is not really there the Torah is not really there in many places because they think that the establishment the windows and the paintings and all this other extra schy stuff that we do it because we're were artists so the few Mish here that we see before and actually one we will see after it says the four types of people that go to the to the house of study there different types of people see there's several T different types of Learners personalities it says they're all connected this is strategically this m connects to all of them connects to all of themom one day was praised somebody gave him a compliment of how amazing his memory is much computer you ask him a question he knows exactly where it is in the toah it's like he has a library in his brain he knows the page number this this it's on the right side the left side the bottom side the middle side the third line the eighth line until you meet a when I remember I remember I can never get over this my whole life I thought I was smart met I really I was very conceited I thought I was very smart until I met a and then I realized I'm but I'm serious I don't care who you are you could be uh one of these uh scientists uh Einstein and Feinstein and uh and Hawkings and SCH smokings all these people I make fun of it because it's really a joke people think these people are smart you ask any of them listen who's your smartest judge who's your smartest judge you have smartest judge in the history of uh America history of Russia history of whatever country you're in they're going to name you some guy said Okay can your judge remember every single case about this specific issue or any issue at all over the last thousand years yeah yeah off the computer no no no computer right off his head you ask him a question let's say we're dealing with issues with money somebody took something from somebody's yard let's say all the cases that ever happened over the last thousand years does your best judge remember every single case that ever happened pertaining to this they're going to look at you like well you crazy even the computer doesn't know the computer itself doesn't know he just knows a few it's an algorithm that get you the the best search items that have come in words even the computer doesn't know knew it like it was nothing knew it like it's nothing like why wouldn't I know so somebody gave him a compliment and he said for it's unbelievable how your memories how great your memory is wow and he rebuked them what what are you talking about what memory what are you talking about has nothing to do with memory I have no memory I don't remember anything just for we asked you questions you remember goes no has nothing to do with memory he says the Torah tells you good things of reward and tells you punishment too now it's so hard to learn it it's so hard to learn this Torah you have to toil and toil to understand the point the bottom line and everything else and there's so much on the line because if you get it wrong could be death penalty meaning if you light candles of Shabbat on time it's mitvah mitvah if you light it 30 seconds I'm not talking about 30 minutes 30 seconds late it's it's death penalty 30 seconds late it's death penalty meaning if you analyze the timing of when it's supposed to be not supposed to be it's life for death he it's so hard to get to the bottom line to get to know the yes and the no and everything else it's important to me to know it my life is on the line it's such a shame to forget it I'm scared to forget it that's why I remember it it's not that my memory is good it's that I'm scared to forget it do you understand the difference I'm scared to forget the toah so we see all of these special people that we've learned about over the last couple of weeks that have me that doesn't only not get angry but if something ever happens he gets over really quickly that's what makes him Aid another hand a person that absorbs things quickly he's sharp and he remembers them that's a a person that's generous not only he gives what's his but he lets you keep yours all these different typ types of good traits so this mishna also talks about these special people and not so special so the mishna starts the following says there are four types of donors to charity as you notice it's the third one each time and I'll go over the translation in a moment and the last one is so it's the same order the same order as we had before just different qualities of a person so it says here the mishna it's 516 at least in this s there's something times you'll have different with different M sometimes it'll be 512 or 516 so on there are four types of donors to charity four types of donors to charity meaning there are four types of attitudes towards giving four types of attitudes who is giving that's what R explains it as one who wishes to give himself but doesn't want others to give he doesn't want other people to give he begrudges others meaning His Eye Is Evil Eye against other people second one is one where he sees that the others he get others should give but he should not give his attitude is that other people should give him no not for me not for me he begrudges himself now not others his is on himself he hurts himself and we'll understand the details the third one is that he should give and others should give that's a not only does he understand his own responsibility of giving but he tries to get other people to give that's giving the Merit not only to himself but also other people and the fourth one is he should not give and others should not give not only he doesn't want to give but he doesn't want other people to give that's that's an evil person that's an evil person calls him cruel and wicked It's a cruel person sometimes we have these uh campaigns we do online to try to raise money because even though I give you guys everything for free and the shim are free and the CDs are free and the posters are free and the books are and everything is free somebody has to pay for it it's not doesn't come like M from sham yet we are not that level yet hopefully next year uh but the K packages are free and everything is free cost money so we try to raise money for people to donate and sometimes some people M can lose in a second why they open their mouth when they shouldn't what do they do they write uh some nonsensical comment like why remember the last campaign we had somebody uh wrote what do you want what do you want or another guy says Ah I don't really have any money right now okay do you have to publicize you don't have any money you don't have any money keep it to yourself or other people say oh all these rabbis want is money all types of things like that why for why what purpose does it serve you're making a public comment that could potentially even if there's a one% chance that it discourages another person from giving or it causes another person to give less instead of him giving a th000 now you gave a 100 now to you that doesn't mean anything in sh it means significant different for both of the people why for what somebody wants to give be quiet what are you wearing the way for this is a cruel Mida this is a cruel character trait it's a cruel character trait it's directly or indirectly influencing other people not to give I remember one time when I was still in the business World hasm gave me a lot of different a lot of different problems I have to deal with in my life but it was never money so never had a connection to it liked making it when I was in business but never looked at it Beyond of it being a tool and one time I decided to donate you know they have the uhet they have uh during the holidays they uh do the auctions the auctions and people you know ch each other's ego I give 500 I give 600 I give 900 200 5 hours later finally they got to 2,000 it's a whole uh the whole Gaz the whole uh showof of getting finally there unfortunately the said that if it wasn't for ego there wouldn't be any but most of the time money is coming only because of ego not because of theet and anyone caring about the that's a reality it's true so one time they had this thing and I just decided to just throw the big you know what I wanted to give it's a big number I think it was the biggest in the's history at that time it wasn't that big whatever it was big for them and uh somebody looked at me goes what are you doing I thought he was talking to somebody else maybe somebody stepped on him or something I don't know what no what are you doing man you could have got it for so much cheaper he tells me you could have got for so much cheaper why'd you go all the way up there I initially I didn't understand what what he was what you meaning to getting cheaper buying uh Pence buying uh shopping for for for for for for for the Super Bowl like what am I doing here what are you I'm buying I'm buying a blessing could have got it for cheaper so people's understanding of mitv is that they think it's business it's Mas they treat MIT like it's business it's supposed to get it for the cheapest somebody tell oh yeah I need okay what's uh what's your budget well how much are there I said it depends you can get fine that are decent for $600 you can get if you're grown up and you have a few dollars to spend you should get fine for500 2,000 3,000 depends depends on your budget it's not a a two Monon investment it's this is something you going have for a long time plus this is one of the tools you connect to Hashem with it's not a car that goes bad after uh you know you uh after a few years or even after a few minutes sometimes depends where you buy it from um it's not a house that is just uh you know cardboard that you're going to you know Fly Away with just a little bit of wind it's depends what your budget is what what how much does it me mean to you and how much you able to afford according to your means no no I just want to get uh just uh whatever is the cheapest so cheaper get go another Rabbi cheapest go another you get something cheaper for me you guys we don't make money we don't make money from it anyway but the point is is that go if you want something cheap go somewhere else cheap go somewhere you don't it doesn't matter to you doesn't matter to you why should it matter to me I'm going to go break my head get it from y shipping this deal with this wait for the guy deal with this whole thing you want to get something cheap go go to uh eBay or something buy for $30 some dog wrote it or something what you what are you bothering me for you want something cheap or somebody says oh M I need 10 m what's the cheapest you have as cheapest I have is somebody else cheapest I have you look for something cheap what is this groceries you're looking for a sale you're missing the point watch some sh maybe you come back to me after do some cha the point is MIT is not something you're supposed to look to save money on you don't negotiate with mitv if anything you should give more if you really want to show you have good midot and you're showing AEM that you love the mitvah you should learn from theah of he taught us the custom that we have of kissing them every time we come in and every time we leave the house or whatever door it is it says when the Caesar wanted to arrest him he sent people to ulos to go arrest him and um they came to him he started talking to them they all got convinced they go they converted to Judaism too then he sent a few more soldiers said don't talk to him they came they didn't talk but he talked they converted to Judaism too then he sent another round of of solders he says don't talk to him and don't let him talk they came to him and said listen don't say a word we're going to kill you don't say a word they put him oh come on no they still gave him cavod because he was related to uh to the royal family over there of the go he was a go before he became a Jew and and uh gave up everything for gave up everything for he was supposed to be he was in line to be the next Caesar not uh just an average guy so when he got out of the house before he got out of the house in one second and he took his hand he grabbed he kissed him his up but he had on his door and the soldiers they couldn't help themselves they were very interested like what did you just do was like uh IM what what happened here why are you kissing the wall or this little thing you have on the wall you asked me a question I'll answer I'm allowed to talk he says you see your king he's scared so he can't really protect you he needs you to protect him so he stays inside while he sends you outside to protect him he says my king he's everywhere he's everywhere and he protects me whether I'm inside or I'm outside all I got to do is remember that he's my king so that's m symbolizing that I love my king symbolizing that I love his it's not that you're obligated to kiss the it's that you're showing AEM that you love his mitv it's not that you're obligated to kiss the every time you pick it up it's that you're showing a give me another mitah I love it I love your mitvah that's why I kiss them you see a little baby a little kid what do you do the first thing you see him you kiss him why you love him the same thing got treat Is We Kiss it why a lot of people kissing they think it's like obligation if you don't know what it means to kiss your don't kiss it doesn't mean to be kissed if Shabbat don't kiss the seph T listen to the seph don't kiss it if you're not going to listen to the SE don't kiss it because to listen is the obligation to kiss it is not an obligation to kiss it is just something you do if you're listening to it if the seph T would talk and say no no don't kiss me dirty disgusting mouth that you have curses all day violates aem's name every two minutes don't kiss me disgusting don't touch me either will he touch the go five minutes before you got to don't touch me don't look at me honestly get out of here if you could if the could talk get out of here you have t all over you don't touch me you're lucky doesn't talk it would kick all of us out no would have a in some cases with the G that we have the bad midot that we have hasem has Mercy on us he didn't let the seph talk so showed us how much he loves the MIT and those last batch of soldiers said if your king can protect you we want your king why we're protecting our King he's little hiding in his castle we want your king they converted also after that they stopped sending a people said oh we're not going to mess with him anymore he's going to convert the whole nation by the end forget it leave him alone let him do whatever he wants no one in the history of mankind is ever lost fulfilling the will of hem so now the mishna here says to you four types of donors the first one is one who wishes to give himself and wants others not to give he gives other people second one he wants other people to give but he doesn't want to give he gives to himself third one is he gives and he wants other people to give and that's a excuse me and the fourth one is the rash who doesn't want anyone to give not only doesn't understand the value of the mitvah but he is causing other people to not fulfill the mitvah so when a person is wealthy he has to understand that being wealthy having money is a much bigger test than being poor much bigger test than being poor and the reason why is because if he's wealthy it all depends on the level of wealth if he's wealthy and there are people around him Jews around him that are poor don't have food for Shabbat struggling they're not able to pay for Yesa they can't buy a k and he lives his life he should know that when he gets up to sh he's going to have to pay a de for that he's going to get punished for it meaning that to be rich is not just you could buy a Ferrari and three houses and have uh a nice uh 401K Ira stock portfolio Bitcoin smid coins some real estate some buildings and all the wonderful things in life that you like to enjoy and eat and have a special juicy steak served to you by the minute it's not just for that yes you're allowed to enjoy the money that hashm gives you so long as you took care of your responsibility of having money now when I talk about people being rich I think actually I know that most people think that I'm referring to people that are billionaires or even Millionaires and that's not true that's not rich people have a confused understanding of what Rich means Rich does not mean a billionaire Rich does not mean a millionaire yes of course that's rich I'm talking monetarily rich but if a person has $1,000 to their name obviously he's not rich why that's just enough money to get by I don't know it depends where you live for the week for the month there's not much more than that if a person has $5,000 okay so he has enough money to get by again depends on where he lives for a couple of months maybe less maybe one month depends on his expenses but what if the person has a nice portfolio he has 100,000 in the portfolio and he's got his expenses of let's say four $5,000 a month is he qualified as a rich person is he qualified as a rich person I'm asking you a question they who who's going to tell me yes or no would you say ah look at this guy he's Rich would you say it you say he's Rich what about would you say he's rich I wouldn't 100,000 is nothing 100,000 is nothing $100,000 is not a lot of money it's a lot of money but it's not a lot of money meaning you could spend it in a day on a car you could spend it in a day down payment on a house you could spend it nothing but if his expenses are $5,000 a month then technically he's Rich so which we here from here we learned that rich does not have much to do with what I think Rich has to do with relative to to your life relative to how you're living your life and so on what your actual real needs are now if you have expenses that are exorbital a house or in a house that's beyond your means and you have all types of jewelry and all types of unnecessary things that you don't need in life then uh you're wasting the gift that hasem gave you number one and number two you're a rich person that's probably not going to stay very rich why because there's you're not going to have any blessing in your money so even if you have 100 200 500 th you know $500,000 a million dollars you are rich even though by that person's definition people like that that spend a lot of money usually Define rich as someone that's very far away from them so let's say for example if they have let's say $200 $300,000 in the bank which is more than enough for every normal person to live on for a long time and so on and so forth I'm not saying you can retire on it but it's a uh it depends on your age also if you're 70 years old 60 years old you can but if you're 20 years old then no you need more than that but the point point is is that if you're let's say in your 20s or 30s and you have2 $300,000 you don't think of yourself as Rich why because you're looking at the guy down the street that has uh two three million he's like ah he's Rich you look at the guy on TV or on the Internet that uh just sold this company for 20 million it's like ah he's Rich he's Rich he's got 20 million you look at the guy that's running the country he's got 10 billion it's like ah he's Rich he's Rich Trump he's Rich yeah he's rich but you're wrong and right at the same time yes they're all rich but so are you you have much more than what you actually need which means you have an obligation to use that money to fulfill the will of hem you don't need to the the the definition of Rich does not fall on just people that have millions and millions and zillions of dollars it all depends on how much you have beyond what you need and what you need is not what you want it's two different things your kid is always going to want want the lollipop he doesn't need the lollipop even if he tells you I need it I need it I need he doesn't need the lollipop and you go to the toy store I need the toy what do you need the toy for I need it I you don't need it you want it I need it I need you don't need it you want it so we have to be grown-ups and understand there's a need and there's a want a desire for the most part most people in the world live beyond their means and that's the reason why you see many people in huge amount of debt huge amount of debt that they're never going to be able to pay back because their in unless their income somehow quadres or they live to be 300 years old they're never going to be able to pay back this debt all these young kids that go to college they're 18 years old by the time they graduate college 22 24 years old whatever that is they go to grad school if they want to be something cuz college is meaningless now college is what high school used to be it's a complete waste of four years until the last semester it's the last semester is the only thing that meaningful if you could just skip the first three and a half years it'd be much cheaper and much better for you you have less sins too but in general we don't recommend for Jews to go to these colleges unless say it's going to be a kosher College which I don't really think exists to such to high level either way the point is is that person by the time they finish school even if they have a decent profession like an accountant or they're going to become a lawyer or they become a doctor they're not going to make big money right away they're G to come out of school even if they're uh good in grades and everything else maybe they're G to make 75,000 a year 80,000 a year maybe if they have a great job average person he's lucky if he gets a $35,000 a year job you know how many kids came to me from Harvard and Yale and Princeton and I couldn't even hire them for 30,000 because they had nothing they had nothing worthwhile yeah they had nice grades but in things that were useless to me useless useless skill you that communications degree what am I going to do with a communications degree go communicate at uh Burger King that a uh physical education degree okay go physical yourself and at home I need somebody like that's a hustler that's going to do something with their life so a lot of these kids go to school they get these degrees complete waste of money aside from you know consuming themselves with an enormous amount of sins that's very hard to fix in your life but even if you put all of that aside you just look purely at the financial matters you see that these kids come out with debt that most likely they're never going to be able to pay back unless they strike it rich they come out of college with at the best case scenario the job even if they're really good at it they're going to get 75,000 a year if they're good at it but the debt they have 150 250 300,000 $400,000 debt when is he now the 75,000 he's making it's not really 75,000 it's theoretical 75,000 it's 75,000 says on paper it's 75 you don't actually get 75,000 first of all you got taxes that almost takes half of it then you have expenses well you don't live on M you have expenses and of course if you have $75,000 in income you're thinking you're a kid you make 75,000 I'll spend a 100 I'm not going to spend 75,000 Shalom if I make 75 I'm gonna spend 100 which means you continuous to increase your debt until the bankruptcy office knocks on your door Hey sir no more no more credit you're you're a thief enough you know going to be able to pay this back in a million years you that's why people say oh I can't wait for the mashia to come I can't wait because they think the mashia is a social security office they think the mashia is gonna pay their debt they don't want mashia to come because they want you know to be Sanctified and Tora no no want M to pay that debt they think he's the Social Security office he's welfare think that people think that Mash is going to come solve their problems oh it's can't believe all this debt I can't wait for mashia to come what do you mean if you don't find you think the Mia is going to pay your debt you have to pay your debt so the thing is though is that a lot of people need to understand is that you have to think you have to think the Torah makes you think it forces you to think think ahead before you make these moves before you going to school if you're going to go to school at all where you going for what if you're going to go for for for some waste of time degree don't go save the money cuz you're not allowed to borrow according to Al you're not allowed to borrow money if you know that you can't pay it back if you don't know it's a different story but if you know for sure you can't pay back you're not allowed to borrow the money it's the same thing for example if you go to a store and you know let's say it sells uh seeds and uh you know in Israel they have these stores in the in the the uh in the market uh that sell all types of candies and seeds and uh pistachios and stuff like that and some people just come there they're not looking to buy just looking to taste everything look to take the field oh this is good it's good I think it's lunch cuz they only take one and one here and one here and one here and one here by the way G say okay this room is for that one this room is for that one this room is for that one this room is for that it's gazel you're stealing you're not allowed to just yeah but he's giving other people yeah because they're customers they're looking to buy you know coming into that store you're not looking to buy that means you're not allowed to taste same thing people go to suit stores or clothing stores and they know they're not going to buy this one they have nothing to do with their life they want to try on clothes you're a thief you're a thief why the guy doesn't know that you're not looking to buy the girl doesn't know you're not looking to buy she's thinking she's getting her hopes up she's spending time and energy on you to give you the size to give you the dress to give you the this to give you the that and you have no intention whatsoever to buy in fact what you're looking to do you're looking to go to the store see what's there and then say okay yeah I like this one but I'll get back to you you go on you go home and you buy it online for cheaper you're a thief sure you know gazan you're Thief you're not allowed to do such things but only the t is going to teach you such things because everything I just said to you is normal behavior in the world today people sometimes get these clothes why for one night she buys the dress for one night she leaves the tag on it or he leaves the tag on the on on the on the jacket why I'm GNA wear one night to go out on this date to go to this event to do something and tomorrow I'll give it back you're a thief a person is a thief you know that do such things but only the tah is going to teach you these things these are a person that wants to have even a chance of getting to is going to have to know these things and the reason why is because the the the laws of money are the ones that the say if somebody wants to be a go learn the laws of money go learn the there three it really originally was one but it was too big of a tractate so they divided it up into three anyone that wants want to inherit to become a big to become something special has to learn these laws why because these laws are not just about the laws of what to do and what not to do these laws are against your inner nature your inner nature is RA a person is born with inner nature that's evil his inner nature is automatically going to think that the world owes him something his inner nature is going to tell him that even if I'm buying or I'm not buying I'm doing him a favor I'm giving him something to do I'm giving him something to do he wasn't doing anything before I came to the store so I'm helping him out I'm giving him something to do why don't you do something for him then he's going to give you something to do you give him something to do both of you work for each other how about that you go work for him and nonsense people have in their head but this is RA this is the evil this is evil inclination so unless a person starts learning these laws of money he's not going to know why because the law of money according to the tah it's not just telling you what's allowed what's not allowed it's telling you how to be a kosher person how to be not just eat kosher food be a kosher person be considerate about other people's time be considerate about other people's you know their world their view their thing you can't just go into the store and think you own the place so this also has to do with people that have employees if you have the money and you owe a person money you're not allowed to delay paying him even by a second you're not allowed to delay paying him even by a second you have to give him the money as soon as possible the fastest way possible why every minute that you're not paying them he's suffering you're not allowed to do such things so these types of things are against our nature I know in a business World none of even though I generally one of the few things that was decent about me as a person I'm very when it comes to money but this stuff I never thought about why it's not human nature It's Not Human Nature to think I'm going to try on the clothes even though I really don't feel like buying it I just want to see what it looks like it's not human nature to think wait that's stealing you don't connect it to as a human being you don't connect it to I'm stealing his time why what you rationalize as I'm giving him something to do he's doing it anyway if I don't come somebody else's going to come you rationalize it or you take the little fistuk the little pistachio like that guy has 50 million pistachios in a sack I'm taking one is anything going to change in a sack of pistachos did he really lose money no but it's still stealing it's still stealing so that's the thing is that the that had difficulty that were born in the previous mishna we learned that there's a certain person that it takes him a while to grasp the material and he forgets quickly the people that succeeded overcoming that were advised is more than one story that their rabbis advise them go study go study the laws of money you want to be go study that why because that not only teaches you the right and wrong as far as the law but also the right and wrong as far as midot how to become how to purify your it's like there's a word named ship ship sheut is you could use it superficially you say where a person uh he's uh fixing he's remodeling his his his uh his house but when it's applies to in reality if you go deeper into the meaning of the uh word I spoke about with raban today and she gave a good better definition in English because English and really no language has an exact definition fores really she when it applies to your it's you can't remodel your n so what is it it's rectifying it's purifying your n it's somewhat similar to what you would be doing with a diamond you know a diamond you first find it first find it it's ugly looks like a regular Stone piece of a glass at best look it's disgusting doesn't look like anything special but after they cut it and they cut it and the lasers and they cut it and they cut it with all these different uh you know Advanced Computers of making sure you cut it this in a perfect way whether it's going to be heart shape or a tear shaped or round shape or square shape and so on and so forth different types of shapes based on the diamond you want to make sure that it it itth reflects the light the best way and that's how they make diamond that shine it all has to do with actually how you cut the diamonds not just you cut the diamonds and all of them shine you cut two diamonds the same exact way one of them will shine the other one won't shine why because that diamond was not able to reflect the light the same way point being abai is that to cut the diamond and make it really valuable to get the uh the precious value of let's a perfect flawless diamond def flawless diamond you have to you have to cut it and fix it and cut it and fix it and cut it and fix it and this is what we're supposed to do with our you have to cut them and fix them and cut them and fix them and cut them and fix them and fix this and fix this and fix this and one of the most difficult things for a person to fix is is attitude towards money his attitude towards money because most people that work think that whatever money they make is their money they don't think about it this this is God's money they think it's their money so when a and most people they work so hard for the money that it's hard for them to give it even though Hashem gave them 100% And he tells them give 10 to my children that are learning T give 10 to my Torah said no but it's my money it's not your money it's aem's money he gave you 100% for you to give 10 and if you want to be a sadik give 20 people look at you like you have 16 like n it's not I don't think it's relevant for today like the Tor Torah changed Shalom why the reason why is because people fall in love with their money to such an extent that it's hard for them to separate themselves from it it's hard to separate themselves from it so the v v would that spoke about this topic he says that the ultimate human Joy comes from attaining a higher level of understanding when a person gets money he could get excited for a minute for an hour five hours a week let's say but that's it the in reality the excitement goes away especially the more money the person person has eventually becomes numb and that's the same with all material with all material in fact says says if you found honey eat slowly little bit at a time why you eat too much you're Canna end up throwing up now do we really need the wisest man of all time to tell us that if we eat too much honey going to throw up this is what wisdom he has you really think this is what it means no what he's referring to is the number one pleasure for a human being what is it the pleasure of intimacy the pleasure of intimacy climax of intimacy and he's saying if you found especially to men if you found a woman that's Das that's the honey you found a woman take it easy don't become a donkey don't become a lion you're still a human being you're still a holy human being you're still a Jew there's a time to be together there's a time not to be together half the month you're together when she's pure half the mon you're not together when she's not pure why if you do it too much if you're too intimate eventually you're gonna vomit meaning eventually you'll become disgusted of each other even though initially oh wow who what you could show the most beautiful women and and you could show the the ex-husbands too how could it be she's so beautiful and the whole world thinks she's beautiful and on magazines and and all these things every think she's beautiful but she has six ex-husbands how come all those six ex-husbands think she's disgusting because they didn't follow the simple rules of the torat simple rules of the Torah and this is with the number one pleasure and the same goes with all pleasures in life whether it's money or cavod or intimacy or so on and so forth the is all of that pleasure is short term especially if you have a lot of it the ultimate pleasure though is when you understand something new when your whole mind switches why you have a what's a what's a new insight what does it mean it means that everything you believed until now became meaningless why because now there's something new your whole life changed Direction now if it changeed Direction in a positive way there's a there a positive K is a new insight you just understood you finally 30 40 50 years after you came to the world you finally found a what the meaning of life the meaning of life you found the meaning of life why you here what's your mission what you're supposed to do this is the greatest thing in the world there's no end to this pleasure why because you live this it's not just a onetime thing it's not just the one weak thing this is something that is going to take control of your life this this new insight is it's it's changed your world depending on a level of K so the V says that the highest level of of um joy in the world in this world can come from an understanding so when the supporters of Torah whether it be kiru or Torah Learners of when these people that support them that donate for Torah when they leave this world they will rejoice why why will they Rejoice after they leave this world because their first present their first reward in the real world is not only the reward for doing charity but they'll gain the privilege of knowing and understanding all of the Torah learning that they made possible they'll have a complete understanding of where that dollar actually went so imagine you gave a $100 you gave a $1,000 you gave a million dollar whatever you gave now a guy gave there a guy in uh in Israel that uh used to have yes and all types of Co but also had different centers to help religious people and everybody in general but low cost clinic low cost dentist low CA different thing to help people that are struggling but the government of Israel the zionists decided that he has too much power we have to take him down and that's what they did they conjured up a conspiracy that uh all types of claims on him all have been proven false already but literally destroyed him destroyed his finances took all of his money destroyed his company skin much poor guy now during one of the hearings they came to his donors and one of the donors they said listen you donated to him a million dollars did you know that the million dollars you know that uh he has a k he has you know people learn toah he goes no I didn't donate for K goes no no but don't worry the million dollars didn't go to the K it didn't go to the it went to the clinic and the hospital and the dentists and the lowcost clothes whatever all the other things no no I didn't donate the million dollars like that if I would have known he had a call I wouldn't donate at all that's how much he hated to this guy now these is unfortunately people that consume only sins in their life even when they do a mitvah even when they do a Mitzvah they don't know how to appreciate and they end up losing it you already did a Mitzvah be quiet don't say you regret it why if you regret it you lose the entire reward now person is the opposite that understands the value of a Mitzvah and let's say don't made some money now he doesn't really know what's going to happen he doesn't know how it's going to affect now in the real world they're going to show him they're going to show her what happened with that money he donated let's say a thousand bucks he doesn't think it's such a big I donate a th000 bucks okay maybe I sponsored a th000 CDS maybe I sponsored for for for a week and a half two weeks he doesn't know really you know ad they going to show look see you sponsored a th000 CDs those thousand CDs were giving out in New York in this community in Queens in this store in that store in this store in that store in that store they put it in you know 10 stores had these CDs that you sponsored okay now each one of these stores they gave it away over a month a week or whatever it took and look one person picked up the CD and he listened to it he didn't just uh pick it up uh just to put his uh Cup on it he took the CD listened to it and he said wow this is true Hashem is true his Torah is true I got to do something about it all of a sudden he puts a keep on all of a sudden he goes to B all of a sudden he puts on all of a sudden he keeps Shabbat all of a sudden he starts learning all of a sudden the guy becomes an all of a sudden he calls he tells him listen I need to go to I need to go learn forget work forget business forget everything I got to go to col okay we'll send you to in Israel go he goes to the col in Israel becomes a big Rabbi he starts a family he has kids they all little cute little one of those little kids becomes big Rabbi not small Rabbi big Rabbi what big Rabbi becomes Moshe Feinstein becomes R becomes the V what one CD $1 out of the Thousand $ one they're G to show you everything not just the mitv that you made where out of thousand let's say 100 listen and out of the 100 20 30 40 50 did cha and they have a sadik wife now a sadik husband now and children and meetv yeah of course but show even the big things too the full understanding of how you literally built a part of for what for something that I know took you a week to make a week of your life bought you a week of your well let's say you make $4,000 a month so $1,000 is a week of your life a week of your life bought you imagine that's one of the gifts the Von says going to be the greatest gifts for people that sponsor Torah why they're going to finally get the understanding of what actually happened here I saw a video today that uh they did for the founder of art scroll and M unbelievable if you watch the video you see what these people did based on human nature based on logic it should have never worked it didn't make any sense financially it didn't make sense in any way shape or form but they had was unbelievable and they literally changed they changed the englishspeaking world and then later on the rest of the Torah World in modern society why simply by doing a mitvah purely for what for hem not just for money they end up making money but they didn't do it for money and you see how each contributor each person he did the line over here he did the translation he did the edit he did this he did the book he and you see how so many people benefited out of this that are directly and indirectly involved in it imagine what they're going to see what he's seeing now in so look forget the video is just what people see the video is what people see look at what we see from sh I show you everything he did all the mitv so anybody that's involved in kiru anybody that's involved in um Gathering money for Tora for the for the it's important to know these things because one of the biggest T in the world one of the most difficult things in the world is to raise money for to and this is actually how hasm wanted to create the world because if you notice the actually explained it he says there's a very big difference that you'll see in the principles that underline the support system meaning the the the Heavenly support system of secular versus Torah if you look at secular institutions un University some college that's going to have 30,000 new wasting seed candidates every year another way to make a billion dollars a year by charging each student4 $50,000 a year to just waste their life for four years another innocent girls that didn't know right or left they don't know what to do over there each one of them has a new husband every week for what their parents are paying $40,000 for them to to do all this so it's like sending it's it's it's like sending your daughter to like a death camp sending your daughter to a death camp it's might as well she's innocent what you do in her life he sent it to these places these universities I remember I went to college I went to big university now that University State a state school in New York York and uh statistics at the time I don't know how it is now they said that over 70% of the students were Jewish in this University and the vast majority how do they know because the vast majority of them were graduates of the yeshivas vast majority of them are graduates of Flatbush Yeshiva in Brooklyn and other places so you see all of these kids with keepa and these girls that are modest enter the second world and what happens to these kids within a month the guys are most of them become the biggest alcoholic drug addicts in the school and the girls they they might as well go into uh the oldest uh business in the world the parents think they're sending their kids to go get an education they don't realize they're better off sending into a concentration camp because at least they're going to save the their n at least they're going to save their n no he's going to uh he's going to Yale she's going to bingamon she's going to Princeton she's going to Harvard my lovely daughter my lovely daughter is going to Harvard yeah do you know your lovely daughter what she's going to do in Harvard I don't care who your daughter is that's what happens in those places for four years that's what happens everyone's a victim no one escapes it peer pressure life pressure this pressure that pressure you're sending your kid to G by sending him to college I've been there people don't understand this no no but he needs an education no he needs you education there's enough doctors in the world there's enough lawyers in the world there's enough we don't need another one we need more Jews there's plenty of ways to make a living without losing your soul there's online programs you could study there's local community colleges there's plenty of ways you don't need to send them to these schools pay an arm and a leg take Clans that you can't pay back and what's going to happen to the kids by the time he comes back he doesn't even remember he's a Jew no why he came for spring break he still had his keeper on yeah it's just for youa as soon as he leaves your house he takes it off he puts a baseball cap on or nothing at all I know I saw it and no one is GNA say it's wrong everyone's the same thing everywhere doesn't even matter if it's called Yesa University or any other university it's the same thing everywhere why that's college life that's the goyish world that's what happens in those places so now when one of these institutions wants to open up shop usually the says you'll see there's one big donor one guy 100 million 200 million 300 million boom opened but the most modest yesid wants to open up shop tiny little building 500 donors 5,000 donors 50,000 donors $10 at a time why why they came to one one of the people that was collecting came to the the came to I don't understand I went all over the world looking for money $5 $2 $500 5,000 there's that but what's 5,000 I'm barely uh able to pay for the flight took me a year and a half just to collect the down payment for the building six months we're trying to collect $250,000 six months we're trying to collect $250 we haven't reached 10% we're still making do we're still going I have no idea how hasm is making it happen we're going in as if we already have 500,000 new movies coming out that came out another one's coming out b in a in a few days the apps coming out b in a few days the website is getting upgraded now we just hired two amazing new employees is paying for it I have no idea how you ask me I have no idea how if we could afford it absolutely not but somehow people are getting paid somehow it's all happening but if you look at the uh the Facebook the campaigns and this that doesn't make any sense doesn't make any sense of course people donate other ways too but still it doesn't make any sense you see some of these institutions they collect a million dollars in 24 hours for what I don't know maybe they're going to take a few kids to Israel let's take a bunch of kids to Israel to go make sins and the Beach people donate a million dollars in 24 hours Let's make them Jewish nah we don't need that what okay you know what I'll donate yeah 18 one time K oh you know I'll be generous today two times K $36 same guy donate 36,000 to the people going to Israel $36 what happened gives an explanation he says when it's something it's a waste of time time that's not what Hashem wants Hashem tries to eliminate it and the publicity of it immediately what does he do a million dollars 24 hours I don't want more people to find out about it College wants $100 million one donor go go no one knows about this place keep the sign be quiet be quiet here's $100 million just be quiet don't tell anybody this University in Tennessee exists here's the million I'll give you 200 million just be quiet but you want a you wanta you want kiru you want this $10 at a time $100 at a time thousand at a time why I want all of is to find out about it why because no one in the world has the Merit to take the entire Mitzvah by himself no one has the Merit why because this is what I want imagine you had a but call in shim said hasem says all I want is one thing and he tells you this is what I want this what I want this Hashem I lived 20 30 40 50 years I'm looking for something to give you Hashem says I can give you something it's one thing that I want here it is you're not going to do everything in your life to do it you're not going to jump off of a bridge if you have to just to do it hm only wants one thing in the world hasem says I want everyone to know I want everyone to know about this so yes it's painful it's agonizing it's embarrassing it's this it's that hasem says that's what I want that the embarrassment and the agon that that's what I want why that's how everybody's gonna find out we learn this from where says we learn this from the BET mikdash and also where they sent people that had accidental murders when people murdered somebody by accident they killed Somebody by accident shouldn't say murder they killed somebody by accident let's say the hammer fell from the ladder and uh fell on the guy's head he died accident car accident something like that so the dean in Tor it says you send the guy to you send them to the places why to protect them from the family because according to the tah the family can take their Vengeance on him so to protect him you send him to these far away cities now these far away cities they put signs everywhere of where make a right here make a left here make a right here make a left here make it right here over here here all the way to the entrance why ask why there's so many signs everywhere it says because the guy that made a mistake and killed somebody by accident he is already getting a punishment now if he loses his way on the way to he loses his way he has to go to some house says hello you know the you know the place where so what are the kids ah AB look he's a murderer murderer killer look look he's a murderer so he's going to get embarrassed people know he's a murderer that's why he's going there he doesn't deserve that embarrassment he doesn't deserve that punishment so to lower to lower his his suffering hasem says put signs for him to get there right away no problem but what about the BET mikdash shouldn't the bet mikdash also have signs everywhere no no signs no signs at all why hasem says when somebody decides I want to go to bet mikdash I want him to get lost why I want him to get lost so he goes to the house says hello which way is the bet mikdash so the boy says ABA he's going to bet mikdash you want to go can we go can we go ABA can we go to bet mikdash I want to go to bet mikdash he's going to bet mikdash look he has a kid my age I want to hang out with him you you learn to with him go bet mdash so now they go again they get lost again they go another neighborhood hello you guys know what bet mikdash is we just came from there and it's far it's say oh ABA can we go let's go next thing you know 5,000 people went to bet mdash everyone got lost everyone get accidentally on purpose that's what hasm wants accidentally on purpose you understand so teaches us if want what you're doing he's also going to want the suffering too why he wants you to publicize it and that's the Tor T that's pure it's hard it's hard to raise money for it's a lot of suffering involved in it so this how I got him into this whole issue is that this also helps me this helps me refine my all the suffering of collecting money $20 at a time sometimes 5,000 sometimes $2 one $1 it's craziness all the time so these types of donors some of them are good some of them are bad so the vag says if you're one of the good ones just so you know aside from the mitv you're going to inherit you're G to have something big why one day you're going to finally see what you contributed to how many boys and girls you actually gave a life to with what with your $10 with your $1000 with your whatever money and also Al the ones that donate to these waste of life causes like taking kids to some beach or Hanukkah parties or beach parties or all these vac all these nonsense things that make people less Jewish not more Jewish they're also going to see they're also say oh yeah see you destroyed this family and that family and that family and that family oh you see yeah that that uh the that Retreat for the wives for the for for the wives oh yeah see that that divorce that's on you and that divorce on you and that divorce on you this family you broke that with that million doll donation you had look how many families you broke with the million doll donation you had you see everything that's why the say the biggest punishment the initial punishment in sh is The Bu is the embarrassment of seeing the truth if the truth is not so pretty if the truth is not so pretty is a lot of embarrassment why they're going to show you how many marriages you broke from your tight outfit how many marriages you broke because of the wig business you have how many uh you know how many kids you broke because you didn't have patience to teach them and so on and so forth what do you think it's just this world what you see no it's much more than that so R explains that again this is a this mishna teaches that there are four types of people and how their attitudes are towards giving and ra MOS alak says something different he says there are four types of people that are obligated to give they're obligated to give Torah whether they do or not is a different story but they're all obligated different four types of how you're going to address your obligation to give now the reason why is because inra page 8B it says that according to the Tor the the B have the power to force people to give this doesn't happen really anymore but technically the have the power to force people to give so here this mishna is talking about how you're going to react to the bed forcing you to give you be happy about it unhappy about it happy not happy and that's why the the rambam has eight has a uh eight levels of giving Saka eight levels of giving staka he says the first is levels of these people so the ramb writes in chapter 10 7 to 14 talks about different things we'll go into it briefly these just these eight I'm not going to go into all the details just to save time but he says the first first uh level lowest one is a person who gives reluctantly and with regret meaning the B said you have to give there's poor people there's there's this you have to give I don't want to have to or we're going to put you on can't count you on if you do it's can't eat it anymore put you on you have to give okay okay here's $100 here's a $1,000 here whatever I don't want to give he says that's the lowest level of Giver he gives but he doesn't want to the second one is a person that gives graciously but less than what he should meaning he gives but in his heart he doesn't really want to he says but he's not excited about it really could also mean that he gives less than what he should could also mean he gives less what he should he gives a hundred instead of a thousand he's able to afford a thousand but he gives a 100 why I'll get it from there somewhere else I'll get the other 900 from somewhere else the third is a person who gives what he should but only after being asked you know those people they wait until you're begging in the street oh you needed something why don't you tell me why do I have to tell you why do I have to tell you like I remember after a lot of different things that happened in my life it wasn't exactly a uh secret that it was going to struggle all of a sudden people like ah why don't you tell me you needed help moving when you got kicked out of the office and this and now why you tell me you need help everybody knew buddy it's on the news you knew I know your friend he works you worked for me what do you mean yeah you knew oh there's one guy that I invest an enormous amount of time energy and money into used to call him my friend after I got sick he disappeared he didn't call he didn't write he didn't even visit me now he heard from people I was dying not just I was sick I was dying because at some point I was didn't C didn't write didn't nothing and this is a person that lived in my house I took him I paid for Rehab $20,000 for him because he had drug problems and all types of problems I took him out of he didn't even call me three years later three and a half years later he calls hey so how you doing said I'm busy no I just wanted to see no I know it was a little messed up I didn't call I don't know I'm like yeah yeah it's too late buddy it's too late thanks thanks I don't need another friend I don't need a friend like you but that's really the same thing with most people you you the longer you live the more you realize how disappointing people are so the person who gives but only after being asked that's not such a great place you shouldn't get to that point you should be you were given a brain you were given eyes you were given ears not just to listen to not just to say but also to pay attention ah you know what look his kids have a hole in their shirt if I see the kid with the hole in the shirt again that means that it's because they don't have money now if I if it's only one time it could be the kid just made a hole in the shirt but if you keep seeing the hole in the shirt that means this problems the kid they don't have money to afford a new shirt go buy him a new shirt you don't have to wait you need something don't ask him if he needs something you obviously see on his kid he need something if you see if the guy tells you I just lost my job you don't have to oh how much does he have saved up oh he worked for north of Grumman I think he was making probably 60,000 he probably has five months left uh savings don't do accounting for other people you found out your friend you call somebody your friend your brother the job come out there hey buddy here's a th000 bucks till you get back on your feet no no I don't need just take it until you know don't worry about it just take it you have it that's what hasem gave you the money for that's why what do you think give you the money for so you can buy a new car that's the point that's also why he made you friends with this person to give you an opportunity to do such a Mitzvah but if you're if you're the type of person that's waiting for people to tell you until they're homeless in the street so you know not not only you're missing out on most of the mitv because people are embarrassed to tell the to other people that they are suffering they're struggling and so on if you're able to help you must help the fourth is a person who gives before being asked so it's not like we thought that if we already go out there and volunteer ourselves and give and give and give we think we would he says no it's only number four there's something better there's something better number five is a person who gives without knowing to whom he or she is giving to although the recipient knows the identity you gave to somebody but you don't know who there's a uh organization that gives to poor people and so on you give to the organization without asking too many questions who' you give how many kids does he have well give me send me his picture I want to talk to him do he really need it no I'm giving for that's it I'm giving because I know I need to give that's the fifth sixth is a person who gives without making his or her identity known meaning the person that got it from you doesn't know you gave it to them instead of saying hey he give it give him $1,000 or give somebody $1,000 no you actually just leave the thousand bucks at his door he doesn't know who gave it to him he doesn't know you know who you gave it to but he doesn't know you gave gave it to him why because he could still say face and not feel embarrassed every time he sees you oh yes that's the God help me out seventh is a person who gives without knowing to whom he or she is giving to and the recipient does not know to who he received it from this is both sides the guy that got it doesn't know where he got it from the guy that gave it doesn't know who we gave it to that's number seven what's number eight a person who helps another person becomes self-supporting by a gift or a loan or by finding employment for a recipient now you're just giving him money you're giving him a future you're making him you're not giving the guy fish you're teaching them how to fish now it also says giving a person a loan and a lot of people are going to and are continuously mistranslating it why they're cheap they don't really want to give but they're willing to lend you the money as long as you're going to give it back to them so they're going to say listen I'll lend you $50,000 but you have to give it back to me I won't even charge your interest because you're not you're a Jew I can't charge your interest but you have to give back to me and uh give me your house is collateral give me the business collateral or whatever you need to give it back to me and they think this is the eighth level it's not the eighth level it's not the eighth level it's not automatic that it's the eth level why because first and foremost what are you giving it for is it going to make make himself sufficient second of all did he ask you for a loan or is he asking for a gift because if a person is looking for a gift he's looking fora he say you no no I'll lend you some money I'll lend you some money I didn't ask you for loone I need I'm not looking to give back the money so in essence What's Happening Here is the person that's trying to give the loan in essence really what he's telling you is that listen I'm too cheap too cheap to really give it to you but I care enough about you to try to help you out but I like my money more than I like you you're not even at the first level you're not even it's not even okay nice you did a Mitzvah you lend somebody money but it's not the E level don't let's not try you know people try to like manipulate the Torah to like try to look like they're M while they're doing theim of let's not pervert the Torah into something that it's not you have you have to understand hasm knows your Hearts one of the 13 principles of Faith he knows why you're giving it why not he knows if you're really trying to give to make the guy self-sufficient or you giving it because you're too cheap to really give what you're supposed to but you want to make you want to save your face because everybody knows you're rich so yeah yeah yeah I'll donate 10,000 yeah but you could donate 10 million so these are eight we'll go into more details of what this specific part means but I it seems like I mean we're already almost mostly out of time we have maybe another a little bit of time left but as you can see this mishna is going to take a little time this Mish is going to take a little time all depend each one of these Mish it depends how much you want to go into it how deep we go into the mishna how much we're surgically going to go into the mishna to really fix our but here we see that giving is not so simple now the first type the first type of Giver first type of Giver is a person translation one who gives one who wishes to give himself but he doesn't want other people to give this is a person that has evil eye on others so what does this mean there's a few commentaries on it me says this person is really giving and he doesn't want other people to give why because the only reason he's giving is not because he cares about the cause he doesn't care about the cause the betet the organization the Yesa he cares less about it what does he care about cares about his ego cares about his image he wants people to know yeah you see that school yeah I built it you see that building over there that's me you see that RAB over there I take care of him I take care of him I did this I did this I I I I I this is one type of commentary one of the opinions of this type of Giver where he wants to keep the whole thing to himself he doesn't want anyone else to give the takes it a different uh Direction he explains that this person in reality this person in reality is cheap he a stingy person he's stingy really he's giving but he's really stingy so even though he considers the amount he gave sufficient for the needs of the poor it bothers him that they should receive more from other people meaning he gives he gives the guy 100 bucks he donates $100 $200 $1,000 $2,000 whatever it is but when he starts seeing other people donate to the campaign he's like ah he doesn't need all that money should have been enough already what he got for me he wants to be the only one that gives ah come on you guys don't have to give I already gave him a thousand bucks enough for him it's enough he decides what what's enough for him he decides what's enough for other people he decides what they should live on you know such people such people like this exist in the world N I gave you didn't I give you enough money two months ago yeah it was enough for two months ago enough to pay the rent two months ago okay so why it's not enough yeah it was enough to pay the rent two months ago it's gone they didn't give it back to me after it's not like I live for two months then they give me the money back from the rent the landlord doesn't give you back the money after you live in the house he keeps it there's no like return do over do over over no we finished you spent the money do over give it back to me now no no he doesn't give it back to me I spent it already it's gone disappeared disappeared into the wind why but I already gave you no these people they think that what they give is enough they don't want anyone else to give the says even deeper it's even deeper another step not more just another another step he says this person that wants that he gives but he doesn't want other people to give this is a special type of miserably miserable person why he says this is referring to people that are wealthy that look to help only people that are poor they want to help only people that are need Aid need they don't have any other place to go and if they see somebody that comes from a rich family in need they don't help him why he like God let his family help him he comes from a rich family let his family help him instead of chasing the mitvah like you're supposed to it doesn't matter where he comes from what family he comes from whether he's from the r child family or from this family or that it makes no difference if you see he's in need you're supposed to give no no no no his family will do it his family will do it why why does he care so much that his family will help him because in reality he's jealous of his family and in reality what he wants he wants them to spend the money so they have less so now he has more in comparison to them because in reality it has nothing to do with giving it's a competition he wants them their money to go down and his money to stay the same will go up it has nothing to do with the with the Misan the guy that needs he's just a victim he's a collateral damage in a war despicable people but these people exist they're they're your friends they're your buddies they family they're the average guy this is average people without Torah this is the best case scenario actually this is the best case scenario actually you'll see what happens later because this is human nature human nature without toah is evil he's so concentrated on the love of money he forgets there's a human that needs it he forgets there's people and personalities and families and little children and little babies and every he forget everything becomes like a number for him it's like when the government does testing without telling the people they put stuff in the water or the food like yeah yeah we just want to see what happened what do you mean what happened 15,000 people died oh yeah that wasn't supposed to happen what do you mean maybe you should have told the people before you start uh you know you know putting poison all over the air in that town maybe you should have told them maybe that you should have given them a choice ah yeah I guess you're right it's too late now this is this is this is the same thing this is this is where this type of mid this character trait travels to you see these programs that governments do it's also run by people government is people you know this uh pled Parenthood it's a abortion clinic everywhere murders millions of people every second now what do they do part of what they do it wasn't enough that they're murdering people it's not enough that they're murdering people it's not enough for them no it's not they're not P until they for sure have the seventh level of gome so what do they do now also they sell the body parts they sell the the the babies they murder the babies they murder they sell the body parts they sell the body parts to a couple of Institutions one in specific that uses those body parts of the babies that they murdered in Cold Blood for what to make food coloring and food flavoring this is not a conspiracy this is all in the open you can look at Pepsi you know Pepsi Pepsi Cola they signed a contract with one of these companies that puts puts uh uses the human body parts for flavoring for food that's why if you haven't noticed some of their products are not Kosher anymore not all some of them $36 million deal it's not enough a plant parent to Kid kill babies every single day they want to make more money they want to sell the body parts and they have all these terms they have this all on camera all on camera the CEO of this ham ham is looking from G like they're much worse than me these people are much worse than me selling body parts to go be people eating humans no even realize it when you say you have no idea what it means when you eat kosher you eat kosher you don't realize how much of a from hem how much kindness from Hem Hem is doing for you by you eating kosher you're not a cannibal if you knew what's in non kosher food I did one time a few years ago of all the different things they put in food today I have this document that the raban made a few years ago of all the different food flavorings of what they put in food honestly while giving this she almost vomited the stuff they put in non kosher food parts of of animals that have rabes disgusting disgusting poison it's not just poison because it's not Kosher it's m disgusting and Despicable I don't know who even thinks of these ideas the rectum of the of the raccoon the rectum of the raccoon is in at least 300 different types of food in America out of all the things out of all the animals this is the one body part you decide to make food flavoring from or uh or uh some other animals urine they put it in then food or hair or all types of things that they put when you eat kosher food you have no idea what kind of kindness hasm is doing you and human body parts and human body parts and they didn't volunteer the babies the volunteers the the babies did not volunteer for you for you to eat them they didn't volunteer it wasn't uh organ donors it wasn't up to them he's skinny poor kids so the woman that does the abortion when she goes up to shamai they're going to show look what you did to the kid look what you did to the kid he could have been the nextor you turn him into uh food coloring look what you did they're going to show the whole picture the whole picture show what kind of BU she's going to get what kind of embarrassment she's going to get for what she did to the kid no but it was only four months pregnant that was only five months pregnant no it's a baby it's a living baby it's a living baby what what do you think after 40 days it's it it's living it's 100% living there a heart already after 40 days 40 days it's a living it's 100% no different than you just smaller why because inside it's not it's not okay if you took it out outside and murdered it it's it's you go to jail but as long as it's inside it's it's okay is that a baby this this is this is human nature this is human nature without tah and it's not enough parent it's not enough for them to just kill the kids they want to make food out of it too this is the viciousness of humans even the crocodile doesn't do such a thing the crocodile that sometimes eats its own kind eats his own kid sometimes even he doesn't do such a thing so the mishna is describing a person who wants others to give because he has on their money he doesn't want them to have money he wants their money to go down and his to go up the offers a deep psychological insight into the emotional needs of the poor people he says merely providing them with physical Necessities food uh house drink that stuff clothing he says it's insufficient it's just not enough why the poor must be provided with the feeling that they're normal and productive functioning members of society you want to really help a poor person you have to make him feel normal so a person must therefore give them enough so that they in turn can give charity to other people so this his commentary he took deep down into this mishna and he says the one who gives but does not uh uh want others to give he took a different uh approach where he says this is a person who gives but does not give enough does not give enough to allow the poor to give to other people why he says listen if I give him too much then he's not going to come back to me he's going to be already on his own if I give him too much then maybe he's gonna overspend you like some people say listen if I give this guy 20 bucks maybe he's gonna you know maybe he's going to overspend it so if I just give him five bucks a day why you doing his accounting if he's untrustworthy don't give him anything if he's a trustworthy decent human being give him everything you can what's the problem one time there was a guy that uh every year would give money to a certain poor person and one of his friends said listen I'm looking for uh I'm looking for somebody to give it's like yeah yeah I know it's so I heard you give somebody goes yeah but can't give a I can't tell you is why not he's poor still he goes yeah he's poor but he's my poor guy if you give him to he's not going to be poor anymore I'm not going to have to I'm not going to have anybody to give anymore he wants to keep him poor now you think this is a joke right so rusa R minoli had a person that would give him money on a regular basis and give him the money to he had the deal with him he gave money every month and so on one day the people around this guy that was giving saw that he's succeeding he's really succeeding he has a lot of money successful and so on and so forth say what's what's what's the secret no no I don't want to tell you no what's the secret what's the secret I give I give I give my M my this my that to who we all give to who who are you giving it to oh I give it to rabusa like oh you give it TOA really wow you know it's good you give to it's good no question ask but if imagine if hasem blessed you so much for giving to RAB zusa imagine how much he would bless you if you gave it to his Rabbi he said you know what you're right you're right he stopped giving to rabusa and he started giving to his rabbi and as he saw fast forward a little while forward he lost all of his money all the success that he had gone all the success he had gone bye-bye see you he comes to rusa he says for I know hasem is telling me I did something wrong when I was giving to you I had success I gave it to your Rabbi I'm sorry I don't know what I did I don't know what I was thinking but but again why did take everything said when you were giving to me you weren't really asking is the biggest sadik in the world you give it innocently you said that oh I'm doing something good I'm learning T I'll give it to him so in sh when your mitvah arrived in sh they dissected it they analyzed it they looked at it wait hold on a second before we look before we let the computer pop out the result hold on a second is is he reviewing his mitvah that way or is he giving tamim complete with closed eyes he's trusting that is good enough to give it to oh he's doing with closed eyes let us give him the reward with closed eyes let's not analyze him if Hees we'll give him the reward as if he's complete and deserving of the reward but then when you asked later on is the biggest sadik like no you know what maybe the mid is better maybe maybe his Rabbi is better so in sh the same AR sh so okay let's analyze oh he's analyzing who's the biggest sadik okay so we have to analyze who he is and once they analyze you in sh said oh wait a minute even though he's giving to the biggest sadik look how many sins he has look how many this he has look how many this he doesn't deserve even what we gave him he doesn't deserve just like he analyzed they analyzed and they realized not only you don't deserve the reward apparently but you don't even deserve what you got so they took a back when you didn't analyze you were you were like no Noah was complete with hm he just whatever hasm said he did he started asking questions they started asking questions in sh the BET sh they started asking questions about you and they saw you don't deserve what you're getting so you did it you did it has nothing to do no one is uh looking to punish you you did it and they did M measure for measure measure for measure that's how the Tor works now this brings me to the next point and we'll finish there because this uh this point alone I don't know how long it's going to take but if you understand it I learned it just today with my Rabbi if you understand it it was worth coming to the world just for that now when we get to the reward punishment how Hashem runs the world most people can understand superficially at least that there's reward punishment in the world that if you give and you're generous then Hashem will be generous with you if you forgive then Hashem will forgive you if you are gentle hasem will be gentle with you if you're happy Hashem will be show you happiness also if you're kind if a person is evil and he makes sins then such will be his own consequences now this is something that we all have in the back of our mind hopefully with enough and enough it becomes in front of our minds but still people ask the same question over and over and over again of how do I apply this all to my day today life like Okay g that's all great I want to go to ganed and I don't want to go to Gom everything is good yes I want to avoid it I want fine what about here and now what about the suffering and the anguish here for the most part most of a person's life is suffering that's just a reality most of a person's life is suffering now there's obviously levels of suffering but nonetheless it's not all roses the whole year the average person works the whole year to hopefully take one vac vacation he works 12 months to take a week vacation two weeks vacation he works the whole year so he has uh you know food every day that he enjoys for uh 20 minutes a half hour meaning that you spent 24 hours a day to get enough Joy that's going to get you let's say out of 24 hours if you're happy out of the 24 hours you're enjoying the money an hour wow wow meaning that most of life is tough it's difficult and there's different levels of suffering now sometimes a person does good things sometimes you find such people such good people they do good things and is the common question of how come bad things happen to good people M asked the same question how could it be person is a good person bad things happened he was generous but he lost all of his money he was honest but uh his wife cheated on him he was this but something this happened he was this and something he got sick and how come like what happened so people ask these questions people ask these questions all the time the ran Shalom he had his top student got sick very sick deathly sick and he knew he was going to die and the ramban who knew the secrets of what happens in sham all types of cabala and so on he told them listen I can give you these several different names of and things to say when you get up to Sham and it'll open all of the gates of ganeden for you the special name special things to say when you get up there in sh you say them they're going to open all the gedan gates for you but I'll give it to you for a price what's the price I want you to get me answers of what's happening in shamim about these few questions and he gave him a few questions because because because right now there's a lot of De on sh it seems like there a there's mid there's harsh punishments on am right now am is suffering and I want to know why I want know what's happening what happened is causing this suffering so I'm going to give you these uh this these questions and I need you to come back on after you die come back to me and tell me what do they say about this in sham because I've been looking I can't find okay and that happened he gave the note they buried him with the note after he died and as it would happen after a little over a week after he died he comes back to the ran in a dream he says hi thank you very much the all the things that you told me they worked perfectash I used the uh theim the things that you said and all the gates were open to me and I came in I'm so happy it's amazing wow okay no so so what happened what my deal what about my my questions because I'm sorry I'm for that's the problem he says as soon as I arrived here there's no questions not that not that you're not allowed to ask questions the questions don't exist because everything is clear everything is clear there's no more questions of why and who and when there's no there's no such thing everything is just clear you understand everything everything that ever happened why and when and who and what there's no such thing these question questions you have they're not questions they're not questions up here such was also the story of one of the other the brother of abusa he was trying to collect money to build a big mikve for the community and they weren't giving the money he said listen whoever is going to donate I promise you that when I go up to Sham I will vouch for you for hasm to give you money 10 times more and such happened a bunch of a few people gave bunch of money later on he died and they saw that they weren't making more money in fact some of them lost money started asking questions so he came to the rabbis uh in a dream he told him listen tell them not to uh question I went up and don't worry it's just it's taking a little time why once you get up to Sham they don't talk about money here it's embarrassing to talk about money it's considered like filth it's considered like waste like excrement it's disgusting to talk about it here so I'm embarrassed to mention even the topic of money next to the I'm right next to they're all next to me I'm embarrassed to mention money it's like you're an a meeting with the uh king of the world you're going to mention listen uh there's a duck poop outside your house there something wrong with you it's embarrassing there's no questions in sh there's no questions but here we have questions so there were some that literally understood some of the things that were happening in sham thead from about 400 years ago he schah stands for the acronym for the book the famous book or now they with commentary on it it's five books in Hebrew and I think it's three in English stands for the two tablets of the Ten Commandments and it's a book that's full of M and messages and different things that are just extraordinary and must everyone understood that this is a KES kesim a person that understands what's happening in sham it's not just understanding to do understanding some commentary on understands what's happening in sham how AEM runs the world if you will in his section on he gives something extraordinary he says mat I found it written meaning by the Sages that there are seven I'll just read in English just to save time there are seven things that in essence postpone reward postpone blessing they put it on the side so if let's say for example somebody did a job you supposed to get paid some payment most of the payment is in shim but there some payments according to the I here to allow him to do more MIT and so on and so forth he says there are certain actions that a person does that says delays the payment he puts it on the side say oh put it on the side don't pay him don't pay him yeah but he did don't pay him why look what he did and this is what he says a single one s ing in aem's name that's a lie oh I promise I'm going to donate and you don't donate like this one guy that arranged a lecture for me yeah yeah promise I want to donate I go to a lecture what happened he didn't donate a dollar now I don't care pays one way or another whatever belongs to me hem will send he already decided doesn't change my life but him he's in problems why he says one time you SW not every day one time one time you said I promise I'm going to give it back to you tomorrow promise I'm going to give you back tomorrow I promise I'm going to come promise I'm going to come to the shoe promise I promise I'm going to come to you promise I'm to donate what do you need yeah yeah I got you I got you tell me one time you lie on a it puts a procrastinates the payment for 100 100 blessings what 100 things that hm wants to give you in sh 100 One Lie one time you desecrated hm's name one time one time you were caught cheating on something and uh and they caught you oh look at this Jew look what he's doing one time not every day one time puts on the side 100 of your prayers you're praying for a cure you're praying for P You're praying for for Z you're praying for a baby you pray pray so much you're cry I'm not talking about prayer where you have no kavana I'm talking about the best of your prayers the ones that you crying like uh like somebody just uh the Holocaust just happened like those types of prayers 100 of those on a side nothing do not answer him don't answer him why one one one forget about it if you're if you do it daily each one 100 of these prayers just went to the side it's not cancelled just to the side it's not paid you're not going to get paid do not pass go one time you disrespect the Torah like this guy that one time wasn't was in a we doing a sh and there wasn't that many people it's not my fault what can I do I don't have enough so sometimes not many people come to my so the guy wanted to make me feel good about it so what did he do he left in my face it's like ah well look nobody came for you why you have the whole camera and everything and only like five people here six people here H made fun of my Fai like it's not like I'm not feeling bad enough about it myself you study the whole day the whole night you don't work you're off Wall Street you're struggling with everything in the world enough as it is no it's not enough he wants to nice give it to me make feel good right before the shield not after the shield before the because you have to be in good mood in the not enough no he wants to give it to you nice Satan himself sent a guy he says that person made fun of T what he do what's wanted to give you 100 different types of celebrations your daughter getting married your son getting married the the this all of those things you're not getting them now how about that on the side a hundred of them aund of them you understand that this is craziness if we understood what's happening in shamim you're scared to walk you're scared to speak I'm scared to read this to you one time you curse one curse one time you use inappropriate language 100 promises that the Torah says to you's promises if you do my things I'm gonna give you this I'm gonna give you this I'm gonna give you this I'm gonna give you this I'm gonna give you and the rain's GNA come in time and you're GNA have kids and this and this aund of those hund of those promises we're not saying maybe it's aul no no promises from the Torah hasm promised you a 100 things one time you cursed one time put it in a do not call list whenever he calls hang up the phone on him why look what he said look at the mouth he has he cursed one time though yes one time why your mouth was given to you to Sayes you cannot use the same mouth that speaks to Hashem and says hashem's name to speak like a truck driver that came out of the sewer this is very difficult but this is what's happening here it's not an it's not an invention one time you went to the market and uh you decided you're G to take one pistachio one pistachio the guy has like we said the guy has uh 50,000 pistachios in the sack you took one you took one you didn't pay for it it's one pistachio one time you stole 100 blessings from sham that's already yours you're not getting it now put on as side for what for the pistachio for the half a cent pistachio you just ruined 100 blessings that you already got that's yours not getting it now for one pistachio one time you decide to get into a debate for no reason there's really no reason it's ego it's not like you're fighting for the Tor for the T you just want to be right has nothing to do with the Torah n you don't know what you're talking about so so so tell me to write I don't know but it's not you you don't know what you're talking about I I don't believe what you're saying I don't believe what you're saying no it's not for me no you're making it up how do you know makeing it up you have you have a proof that I'm making it up is what I'm saying wrong no no just it just can't be it can't be and you start telling people no no don't believe him don't like this one guy wrote on the uh commentary one of the commentary oh listening to me listening to this guy at the beginning of sh he wanted to make sure that it's right in the beginning is ah listening to this guyy is a waste of time like he has nothing to do with his life he has to go on my on my on my uh thing and on a Facebook live tell people ah listen to this guy's a waste of time now if one person if one person didn't study Torah because of him now he saw listening to this guy is a waste of time one person listened to him this what happened here is not the only thing because it says in the Torah anyone that gets in the way of Torah is cursed with ar ar is the worst curse in the entire Tor you got in the way of Tor but in addition to that if that's not enough for you he says a hundred different ways of wanted to give you now you're not getting it Go starve now oh you're surprised you didn't have money to pay the rent this month oh you should watch your mouth then oh you're starving you're hungry you haven't eaten in two days oh okay you should use your mouth to bless AEM and say good things instead of saying for no reason oh you want to eat ah yeah you should have thought about that you should have thought about that before you said something such things one time you say about someone that's righteous if he's a rash there's no there's no dean of against that's if the guy's a there's no against him if the guy's a there's no you can say whatever you want against him he's R I'm talking about someone that's righteous someone that's known to be a kosher person you say about him let's say you did chuva on a hundred different things you fixed your eyes you fixed your nose you fixed your mouth you fixed your Everything 100 chuat 100 things you fixed now cancelled put on a side do not enter do not PR go put him in jail why one one one we're not saying 100 we're not saying this a person that sins non-stop we're not saying that this is one of the people that has a website against me or against RAB mrai or against anyone else that's actually doing real K in the world takes our videos and manipulates them makes videos against us like this kadik made a a one hour video against me this week one hour if you guys didn't see it one hour video all he does is insult me he just gave me all the MIT the few that he has in his life I got all of them so I started a week good but one hour video all he does is insult me I'm safic and I don't know what I'm talking about and I'm this and I'm that and I don't know kabad and the re's mashia and you need the rebi in order to get to God idolatry 100% idolatry 100% I was thinking about maybe I should publicize this to show people what the real crazy people that I'm talking about what they really are cuz he mamash buries himself with his own comment but said you know what it's already enough what he's doing already for me to publicize this imbecile maybe somebody else is going to get crazy from what he says or something I don't know it's like I didn't publicize but an hour video the guy took an hour of his life he did not stop insulting me for a second solid solid one hour if I was there probably beat me up M that's not the first video how many videos have been made about me I'm already it's like Hollywood against me me got the guy from Arizona I got this guy got a list it's growing list these people I don't even know if they can do Chua honestly I don't know if they if such a person can do Chua I don't know I don't know I I I I I'm not saying they can't I don't know if they can because if did CH I'm sure May most likely they can I just don't know how do you do Chua for such how like it's it's like mean you have to like make oppos opposite website or something I don't really know I don't know if it's possible because even if you do mitvah it doesn't cancel out the you still have to pay for it it's not like one cancels out the other you'll get paid for the Mitzvah you'll get punished for the so I don't know all I know is over here one not a website not a movie for an hour not a clip not a comment that's gonna influence 500 people no one to one person you said to your friend oh the M the hundred things that you worked Your Blood Sweat and Tears to do chuva on are now put on the side this is scary but this is how hasem runs the world this is not a pun these are no so you know it's a special note here this is not punishment what I just told you for the last few minutes these are not punishments this is not punishment I didn't tell you punishments this is just a reality of the outcome of our actions this is not a punishment these are not punishments punishment is in different place punishment is different this is not punishment this is just an outcome this is just an outcome of our actions somebody jumps off a building the outcome is he will hit the floor eventually gravity that's an outcome cause effect this is cause effect cause an effect that's it it's not punishment which means if we don't start watching our mouth our eyes our ears our nose everything why are you so surprised if you don't get blessing why are you so surprised that your kids can't pass a test a single test in school why you so surprised that your wife doesn't even want to look at you forget be with you she doesn't want to look at you why so surprised that your husband doesn't pay attention to you why you so surprised that your bank account is always empty even though you work the whole month it's always empty never money there's never any money the guy works 900 hours a day never has any money you ever see such a thing unbelievable so many people tell me I work I'm always working I can't come to the sh I'm always working working I said oh you should be a billionaire by now you work 900 hours a day you never have time for sh it's unbelievable how many billions do you have at least donate myself no I'm broke I have any money what do you work what do you work you play sand you play with the sand outside in a sand box what do you work for you work so many hours you don't have any money what kind of job do you have were you you volunteer what are you doing how do you work so much you don't have any money that they don't have any money there's no blessing there's no blessing why cuz they don't follow the tah and that makes them make sins that are destroying the blessing Bing they're supposed to get there's blessing in sh they're supposed to get but because they didn't learn T they're ruining it so they say they look at things that are not appropriate they take the little pistachio because they think it's not a big deal they you think it's a joke but this is what happens they desecrate hashem's name without even realizing it's desecrating hashem's name they don't realize it's desecrating hm's name but it still is and that's why finalize here but this is important I just I think I have it talks about what is really chv what's this chv this chv what is it see maybe I have it going to read you from the so you don't think I'm making this up a lot of people think for some reason that I have nothing to do with my life and just make things up like an author it says 86 laar benar when RAB laar was in Rome have you heard the teaching that there are four distinctions in the Pro process of chuv would derive he said to them no there's not four but there's three and chuva is necessary with each one of them he says these are the categories if one violates a positive mitvah and does chuv he's forgiven even before he moves from his place meaning immediately he violates a positive Mitzvah he does Chua immediately he's forgiven The Source Jeremiah 3:22 turn um return you uh Troublesome kids you uh you know Hashem is calling us little uh troublemakers little troublemaker kids is implying that if once once a person repents he's immediately forgiven now if a person violates a prohibition meaning this is a negative Mitzvah this is hasem says don't light fire on Shabbat and you light fire on Shabbat and he does chuva the chuva suspends his punishment he puts his punishment on hold and Yip atones for his sin if he violated Shabbat but he does Chua immediately doesn't waste any time he does Chua but yum is going to atone for a sin as it stated in Leviticus 16:30 for on this day shall atone shall atonement be made for you to purify you from all of your sins this actually the Shabbat example wasn't good because that's next one is but another positive Mitzvah if one commits a transgression that warrants kit or a sin that's punishable by Death like murder or violating of Shabbat and the Earthly court and then he repents he does Chua so then repentance and yum suspend his punishment and only suffering in this world will absolve and complete his atonement as it stated in Psalm 8933 then will I visit their transgression with the rod and their iniquity with The Strokes so if somebody didn't in order for them for any violation of Shabbat and things of that nature y you made such sins in your life then there's CH there's Y and there's suffering in this world combination of all of them will complete the Chua of a person for that type of sin but in the case of one who has caused a like signing up to Dancing with the Stars like this Rabbi in Canada or bringing a Christian Missionary or wanting to bring a Christian Missionary to his sh or all types of other types of sins someone has secreation of hem his repentance is cha has no power to suspend his punishment nor does y have any power to atone for his sin nor does any suffering alone have any power to absolve him rather all of these suspend the punishment but death alone will absolve him meaning chuva real chuva for him for someone the desecration of hm's name chuva really will begin when he dies as it says in Isaiah 22:14 and the Lord of hosts revealed himself to my ears this iniquity shall not be atoned for until you die that's the source of that of not being something that a person can fix so simply which means that a person needs to be very very careful with his actions very careful before he starts getting angry at God and saying stupid things about the test that hem gives him because in reality one of the things that I learned from this SL K and many of the other things that we've learned in the past is you you are going to you whatever bed you make is where you're going to sleep whatever food you cook that's what you're going to eat whatever is happening in your life you made it you made your bed now you sleep in it you made the food now you eat it you made yourself problems now you have to deal with the consequences it's not even the punishment it's just a reality now once a person does serious chuva from could come and he could fast forward the blessings and remove some of these decrees and make your life peaches but until you seriously take Chua you take Chua seriously and you start watching your eyes and your lips and your nose and everything don't cry don't complain to hem why you're making it worse you're making it worse and that's what did in this in this this week is complains to about is is say this this is a land that eats his own people and they all start crying they'll cry they crying says you cried for no reason I'll make sure you cry on this day for eternity forever all the whole existence of this world you're going to cry on this day what destruction of mdash the first one the second one all the disasters of am happen on this day why you cry for no reason you complain for no reason why don't you check your own actions why don't you do TR and that's that's the secret that's the secret if we do we say I don't know why you're doing this but obviously it's my fault and obviously you're doing it for my own benefit or else you wouldn't do it because you love me because I'm your son because I'm your daughter CU you love me so you're doing it for me soem I'm trying to do chuva but since I don't really know where to do I'm just going to do everything I don't know where I need to fix I'm just going to try to fix everything I don't know what I need to fix cuz this is difficult this everything is difficult so what I'm going to do I'm going try to fix everything you start doing that you take AEM seriously next time you have an opportunity to be generous you're generous next time you have an opportunity to dovah you do Mitzvah next time you have an opportunity to give you do next time you have an opportunity to refrain from sinning you refrain from sinning next time you have an opportunity to go learn you learn you take chuvas seriously once you take chuvas seriously it becomes you not part of you it becomes you and that is how you can turn the bad into good that's how you can turn the bad into good this is only the first part of the types of givers because realistically a person's money can either be a ticket to geden and Eternity or G for eternity it all depends on how you treat money what is your attitude towards money if you treat it like it's a tool to do the will of hem you will have a beautifula for eternity if you use it as something you treat it as if it's worth something much more than that you think of it as something precious and you only want to fulfill your own desires you turn it into then do I really need to tell you what the outcome is it's not pretty not in this world not in the next one and that's the thing that people need to understand it's easy it's easy it's easy to understand why it's true it's true but the only way we could truly reflect on it is by learning the stuff writing it down going over it reflecting going over it reflecting applying rinsing repeat like the dentist say rinse and repeat that's it AB any questions person who Ence well I mean there is a um is U one of the ways that you can prove that the toah is divine actually believe it or not and the reason why is because unlike all of the false religions Christianity Catholicism anything relating to the New Testament at all uh a book full of evil and lies or the Quran another book full of evil and lies or Buddhism I don't even know if they have a book but it's complete stupidity all these 880,000 other religions you'll see that one thing they do have in common with Judaism is that they love money and they talk abouta or charity or so on and they call tithe like we call tithe you know translation to English but it's not the same thing it's not the same thing the reason why is because in those religions that tithe doesn't have actual laws other than just give everything you have and we care less about what happens to you as a result of it so I have a friend that his father literally gave everything he had to this false religion and now he's struggling the the family is struggling because they thought that something Good's going to happen out of giving it for ab and now obviously nothing Good's going to happen out of it and now they're struggling and they can't get the money back and no one cares or no one's going to help them so in Judaism an average person is not allowed to give everything they have an average person is allowed to give 20% % 20% of their income 20% is what they're allowed to give but a person is obligated to give 10% of their income that's the but said that a person can't just rely on these simple numbers why because the giving in Judaism the giving according to the tah is really based on his wealth it's B it's all proportionate because even if he gives 20% even if he gives 20% of his money he should not assume that he's giving enough why because if he's one of these people that's a high income generator he makes three four $500,000 a million dollar$ 2020 million big money him giving 20% is not enough why he doesn't need $20 million even if he gives $4 million good job but the 4 million is not enough why you really need 16 million should they give you 20 million for you to have 16 million you how much to you can do with you don't need 16 million whatever even if you give for yourself a million even if you give for yourself two million it's enough what do you need so much money for so a person can't assume that just because he's giving even 20% where it says somebody gives get someone gives 20% hasm guarantees him to become very rich in his lifetime and so on even if he gives 20% if he's really wealthy it's not enough so the numbers are per se for the average person the average person should give at least 10% if they want to do they want to do above and beyond they're allowed to give up to 20% but that's assuming that's assuming the standarded person they're making just enough they make ends meat maybe a little bit more you know they they make $100,000 a year or something like that they're fine but if the guy is a big income generator there's 20% doesn't apply to him so it's it's that's why it says a person should make themselves a rabbi somebody came to Stein Shalom and uh wanted to show off to the rabbi just wanted to let you know this year I gave the half my money half my money I gave yeah yeah no you understand a thousand a thousand of a thousand of I gave them the money I fed them for a thousand a lot of money how much money a th000 he finan for the whole year it's a lot of money what say to him he say know what he said to him I didn't know that one person needs as much food as a thousand families instead of getting theak that our logic that's of evil and and nonsense would think oh wow you gave a thousand families you gave them food wow no wases what do he say why do you need as much one person one family why does one family need as much as a thousand families why do you need so much you gave half of your money you said half your money you gave to them half the money went to a thousand families so the other half went where to you why do you need that half just one family needs as much as a thousand families why how many houses can you live in how many cars can you drive why you need so much money for now of course person that's rich it's hard for them person that's rich it's hard for them to give everything they have but the point is a person needs to understand that they have to be careful to to to make sure that they're doing it right because we've seen in our Tor some Giants that were also righteous lose everything because they didn't give enough one of them is talks abouton benon was the uh Bill Gates of his time the waren Buffett of his time but just sadik he's one of the three righteous people in am but also three most rich people in Israel now righteous is not enough of a description for him why because righteous is just somebody that follows him he was so righteous he's one of few people I think it's three people in history that Hashem stopped the Sun for him of four people four people in history Hashem stopped the Sun in the sky he stopped time for him that's how righteous he were but still later on in his life he lost all of his money everything to such a point thatan saw his daughter looking for food in the waste of the donkeys of the Arabs that's how much poverty she got to how he got to they asked him how come how could it be your father was so generous he gave a lot of money to people yes he gave a lot of money but proportionately it wasn't enough it wasn't enough why you had the half a million dollar account in your 401k but your donation was 50 bucks ah 500 bucks oh okay no problem good no problem just not enough we have to be generous with hashem's children as much as we want hm to be generous with us it's mid mid if you're cheap with AEM expect the same it's not a punishment it's just a reality it's not a punishment it's a reality and that's the thing that people need to understand and really the biggest reason of why people don't give enough is because they don't have enough imuna which is what we'll talk about in the next sh uh on this specific topic anything else yeah and in the yeah is there something there about why is the order the order as it is meaning the four people why they're dividing the four people that way yeah well we see that's in common in all of them is that the uh the first one is the uh is is one sides right sides that's missing one aspect the second is missing the opposite the third one actually is a completion on both sides meaning he's good on both Sid and the fourth one is missing both sides so that's how the uh it's the four possible options there is no other options the four possible options and the uh mishna is giving that same order that same pattern in every one of these Mish of of fours uh where the first part is missing one side second part is missing left side and so on but as far as the uh why they chose the first one missing the right one second one being the left one that I don't know but I mean as far as I mean it seems to me that's the uh only logical choice just when you read it but I'm sure there's other other commentaries on that next uh depends depends I mean it's not the same level it's not the same level as uh as a a Jew uh but there are certain types of that is murder and uh they're not allowed to say it because it's murder so I mean but for them it's more about the common sense the ones that are common sense it's common sense that you shouldn't say certain things about certain people it's common sense you shouldn't disclose secrets that belong to other people it's common sense you shouldn't say bad things about other people it's common sense you shouldn't discuss other people's finances generally most is common sense really uh and that's really more of the ones that apply to everyone because it's common sense um and everyone knows deep down inside the difference between right and wrong or else you wouldn't be human you know if you don't know the difference between right and wrong you're either mentally uh disabled which means you're P from the mitv you're absolved from all the mitv because you're mentally disabled uh or um you're not human you're like a giraffe or something and you work off of instinct and you know in in a zoo we have to visit you give you some uh peanuts is that what giraffes eat peanuts grass some peanuts and grass maybe anybody here knows some giraffes so uh if a person is a person he has common sense and he knows the difference between right and wrong of course the more you learn T the more you realize that even your definition of right and wrong was perverted and wasn't clean and wasn't sure but generally you should know the basics everybody knows murder is not allowed not by speech and not by action everybody knows so we use common sense next okay uh the uh sh uh like I said t on um Sunday uh we're not GNA have it we have to skip that that week but we will be back on uh Tuesday Tuesday night uh and also uh Wednesday Wednesday is in the other location on sh but of course you'll see it online we'll be in touch amen amen [Music] [Applause] [Music]