Money is a commodity that takes some skill to use wisely. While money is for spending and exchanging for something else of value, its sole value is its rate of exchange. Thus while money has some value, its value should never exceed the value in our mind of things that it cannot buy. Things such as love, family, genuine companionship, dignity, honor, and life are priceless. While money can prevent us from starving, thirsting, homelessness, and being without clothing, it cannot prolong our lives like wisdom can. Knowledge and wisdom is the key to handling money to one's greatest advantage. The lack of wisdom in using money usually leads to a quick loss it. In order to develop a balanced view of money we must seriously consider the intrinsic value of money, what it can and cannot buy, and the things in life that holds more value than money. Money should be used to enhance the life of ourselves and others but not define our life. In order to teach children how to use money advantageously parents need to have learned how to use it themselves. The wise use of money starts with the parents' view of it. Under the most ideal situation parents should develop or learn life skills that they intend on teaching their children before they have any children or adopt any child.

When it comes to money we may think of something that is transient or temporary, here today and gone tomorrow. Think of money as individual pieces of currency that never stays with you long term. Most people only think of money as one mass grouping of funds. This way of thinking might help us to realize just how temporary money can be and thus is only of relative value. The particular dollar bill that you receive today may be spent a few minutes later the same day. Money has such minute value that it takes masses of individual pieces to purchase things that we need and want. Money does us best when we use it in a way to enhance the lives of others and ourselves. The way we can use money to the most of our benefit is to invest it in a way that our initial investment produces more money in return. This can be done through bank accounts, stocks, bonds, real estate, and other investment avenues.

金钱是一种需要用些智慧来明智地使用的商品。金钱是用来消费和交换其他一些有价值的物品的，但是它唯一的价值就是它的交换比率。因此，虽然金钱有价值，但是它的价值永远不会超过我们头脑中它买不到的东西的价值。例如爱，家庭，真正的友谊，尊严，荣誉，和生命都是无价的。虽然金钱可以防止我们饥饿，口渴，无家可归或衣不蔽体。但是它不能像智慧那样延长我们的生命。知识和智慧是一个人占最大优势管理金钱的钥匙。在使用金钱上缺乏智慧通常会导致迅速失去金钱。为了得到对金钱的平衡的观点，我们必须严肃考虑金钱本身的价值，它能买到什么，不能买到什么，以及生命中比金钱更有价值的东西。金钱可以用来丰富我们和其他人的生活，但是不能定义我们的生活。为了教育孩子如何有益地利用金钱，父母们自身需要学习如何使用金钱。对金钱的明智使用开始于父母对金钱的观点。在最理想的情形下，在生育或领养孩子之前，父母应该发展或者学习打算教给孩子们的生活本领。

至于金钱，我们或许会想到一些短暂的，今日来明日去的东西。把金钱当作独立的不会长期跟随你的货币。多数人仅仅把金钱看做一组基金。这样的思路可以帮助我们认清金钱的短暂和相对的价值。你收到的美元很可能在同一天内若干分钟后花掉。金钱的价值如此之小，我们需要用很多张货币来购买我们需要和想要的东西。当我们以丰富我们和他人的生命的方式来用金钱时，金钱会带来最大的好处。可以获得最大利益的使用金钱的方法是用以初始资本获取更多金钱的方法来投资。这可以通过银行帐户，股票，公债，不动产和其他的投资来完成。