August 5, 2025 • 10 mins
Money might be flowing through your hands, but do you truly own it? This thought-provoking episode of The Trust Factor challenges conventional wisdom about wealth accumulation and stewardship in ways that will transform your relationship with material possessions.
We dive deep into the psychology of wealth, examining both those who hoard resources and those who compromise their dignity to receive them. At the heart of our discussion is a revolutionary perspective: the truly wise understand that their wealth isn't actually theirs. Imagine a billionaire who views his vast fortune not as personal property but as resources temporarily entrusted to him—resources that might ultimately belong to someone else entirely. This mindset creates a profound shift in how wealth is managed and distributed.
The contrast between conditional givers and humble stewards reveals everything about character. Those desperate for recognition demand their names on buildings and control over every dollar. Meanwhile, others give generously without fanfare, understanding they're merely channels for resources flowing through them. The first group receives empty flattery; the second earns genuine honor both now and in spiritual realms.
Most revealing is our examination of motivation. Are you pursuing wealth to secure your future, to gain status and recognition, or to emulate the divine quality of giving? Those chasing money for honor will never find enough, trapped in an endless cycle of accumulation. But those who understand their role as temporary custodians find both peace and purpose through genuine generosity.
This episode will challenge you to examine your own relationship with money and possessions. Are you holding tightly to resources that were never truly yours? Or are you embracing your role as a steward, finding joy in distributing what passes through your hands? Listen now to discover how this perspective shift might be the key to both your impact and your happiness.
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Transcript
Episode Transcript
Available transcripts are automatically generated. Complete accuracy is not guaranteed.
Speaker 0 (00:00):
Good morning everybody and welcome to the
Trust Factor, the podcast thatguarantees your success when you
implement its teachings.
My friends, getting right backinto this book very important,
we're still talking aboutindividuals who are chasing
material possessions, materialwealth.
We're talking about those whohave it and who are hoarding it,
who refuse to let go of it orthink falsely that they own it,
(00:22):
that it belongs to them, andwe're talking about how they are
willing to risk their honor inorder to be able to attain that
wealth and to keep it.
At the same time, we're goingto talk about the other party
because, my friends, it takestwo to tango.
We're going to talk about theother side, the receiver.
The receiver has often andcurrently and I know this and
you know this there are so manypeople who have to reduce
(00:44):
themselves to grovel, to beg andto plead and to give false
placations and to make somebodyfeel good who has money, because
they want the breadcrumbs thatare going to fall off of them.
So, in their case, they aresacrificing their honor in order
to receive from flesh and blood.
What does he say?
He says somebody who has moneyand operates in the proper way
(01:06):
says it says that his confidencein the money that is coming to
him that God is going tocontinue to provide.
Remember, we're talking aboutsomebody who's got a lot of
money here.
His confidence in what God isgoing to continue to provide for
him is greater than theconfidence in the money that he
already has.
He has millions of dollars inthe bank.
He's got buildings around theworld.
He's got plants all over theplace.
(01:28):
This guy is worth hundreds ofmillions of dollars and yet he
doesn't rely on his hundreds ofmillions of dollars.
What an outlook.
I mean.
Can you imagine this?
For a second, friends, a guy isworth hundreds of millions or
billions of dollars and he doesnot see his fortune as his
source of security.
Why, it says?
Because he does not know ifthat money that is sitting by
(01:50):
him even belongs to him.
We said before it might havebeen given to him in order to be
given to somebody else after hepasses, or to his wife's new
husband or whatever it may be.
He doesn't know, know, and he'sokay with that.
He says, okay, I've got thismoney over here, but I'm a
(02:10):
steward.
Clearly I don't need this moneyfor survival.
Hundreds of millions andbillions of dollars Today, it
doesn't take much.
People are living without anincome, a basic income.
People are living off ofgovernment stipends and yet they
haven't missed a meal.
Many of them.
Sure, I get that there'spoverty in the world.
I'm not discussing poverty.
I'm saying that there are manypeople and I know many of them,
especially the elderly who havenot amassed huge fortunes, who
(02:31):
are sustaining themselves.
They're eating, they'redrinking, they're sleeping,
they've got roof over their head, they've got clothes on their
back, they're living.
It doesn't mean they're livinga lavish lifestyle, it doesn't
mean you'd want to trade placeswith them, but the point is
they're surviving, they'rebreathing, they're capable,
they're perfectly healthy andthey haven't missed a meal, but
they're not living a lavishlifestyle.
So somebody who's worthmillions and hundreds of
millions and billions of dollarsclearly has plenty of excess.
(02:54):
So this individual is sittingwith so much money in their
account and yet this is theright person.
This person is thinking tohimself that money is not for me
, or it may not be for me, so Icannot rely on it.
I still need to continue torely on God to provide for me
every single day.
Can you imagine this outlook,guys?
Just imagine the mindset of anindividual like that.
(03:16):
How humble somebody needs to be, to look at the people that
surround them and theinfrastructure that he has
created and built and amassed,and think it's not for me, it
may not be for me, it might befor somebody else.
Wow, talk about groundingsomebody, right?
He says such a person willhonor, will attain honor in this
world and after death, goodreward will come in the world to
(03:41):
come.
You understand, that's how youbuild a name.
You build a name for yourselfby being that person in this
world.
There are many ofmulti-millionaires and
billionaires in this world.
You know nothing about, right?
They're not making thelimelight, you're not hearing
about them.
And yet there are so manypeople who are not millionaires
and billionaires who are gettingthe limelight.
Why?
Because it's not how muchthey're worth, it's what they do
(04:03):
with whatever limelight.
Why?
Because it's not how muchthey're worth, it's what they do
with whatever they have.
People tend to feel secure, itsays, when they have a large sum
of money in the bank, reasoningthat those funds are already
theirs, but are apprehensivewhen they have little or no
savings, since they fear thefuture.
The wise man who understandsthat his money comes from heaven
has the opposite attitude.
Even when he has no savings.
(04:24):
He is serene Imagine thatConfident in the knowledge that
God will send him whatever heneeds when he needs it.
On the other hand, having alarge account in the bank does
not increase the sense ofsecurity, since he knows that
that money might have beendeposited with him to safeguard
for someone else and he willnever get to use it.
(04:46):
Because this is his attitude,he has no qualms about
distributing his extra income tothose who are dependent on him.
Think about it.
Who's more prone to give awaythe money, to use it for good
things, to assist humanity inachieving their ultimate goals?
Who is the one who is capableof sustaining society better?
An individual who thinks thatthat money is his and nobody's
(05:08):
able to touch it?
And he needs it for tomorrowbecause who knows what might be
coming down the pipe?
Or the individual that hasamassed all this wealth and yet
views it as not even potentiallybeing his?
He says, okay, it's not mine,that means I should give it away
.
He parts with it.
He recognizes I have everythingI need.
I have everything I want.
My kids have everything theyneed and everything they want.
(05:29):
Everybody around me haseverything they need and
everything they want.
I need to be able to part withmy money to help build humanity,
to help support Torah causes,to be able to spread godliness
in the world, to make peoplebetter.
Thus he avoids the second errorof the foolish person mentioned
above who hoards his money forfuture needs, unlike the foolish
(05:49):
benefactor mentioned in thethird error, who expects praise
from those who he supports andtherefore does not receive
sincere honor.
Remember we said they're justplacating him because of his
arrogance.
Right?
The wise benefactor who seeshimself as nothing more than
God's agent attains true honorin this world because people
appreciate his humility andultimately merits the
(06:14):
exceptional reward of the nextworld.
The people who are remembered inthis world, my friends, are not
the billionaires.
They are the billionaires whoare humble.
They are the billionaires whodedicate their life to lifting
up humanity.
There are so many millionairesand billionaires who you will
never hear about because they donot give, they do not care
(06:36):
about anybody else, they arejust hyper-focused on themselves
.
I'm not suggesting that therearen't millionaires and
billionaires who are doing theright thing.
Thank God there are plenty.
We have to be grateful thatthere are such people in the
world.
There are many of them and youstill don't hear from them
because they're doing it theright way.
Oftentimes they're doing it thewrong way.
Oftentimes, if they've gotmoney and they're going to give
(06:57):
it, it has to come in a very bigprice.
Like, for example, if you'regoing to put my, if you're going
to take my money to build thatnew building, then you better
have my name on that buildingand it better be spelled
properly, and I'm going to takeup every inch of space that
you're allotting to recognizingwho my family is on that
building and everybody needs tobe able to see it.
So positioning on it is very,very critical here.
(07:19):
Right?
If my name doesn't go on thatbuilding, you're not getting a
dime from me and they're goingto make sure.
You got to understand.
There's an agreement that comeswith that right, because they
want to maximize the amount oftime that their name is going to
be on that building and theywant to make sure that somebody
can't come and scoop out thathonor from underneath them.
Understand?
So that's the wrong way to dothings.
It doesn't mean that person isnot going to get reward.
(07:41):
They may also get reward.
It's not going to be maximized.
The maximum reward comes whenyou do something like giving
charity in a modest fashion.
So you give charity and it'snot conditional, not like the
tyrants who make everythingconditional.
Let's continue.
He's talking about, over here,wealth for the sake of honor.
(08:01):
He says there are certainclasses of people who labor to
obtain money and a massivefortune only because they crave
honor for themselves from thepublic and they wish to make a
name for themselves.
I just finished telling you thereason they want to make money
is because they want their nameon the building.
The reason they want their netto make money is because they
(08:22):
want to compete with Elon Musk.
They want to be the richest manin the world.
They want to be the big guy inthis category.
They want to be the person thateverybody looks up to.
No amount of money is everenough for such people.
This behavior is due tofoolishness on their part in
wrongly assessing what bringstrue honor in this world and in
(08:45):
the world to come.
One who toils to amass moneybecause he's worried about
future needs might rest when hefeels he's accumulated enough to
support himself for the rest ofhis life, but one who is
chasing after money because itbrings honor will never rest.
It doesn't end, my friends.
Why are you chasing money.
Are you chasing money to do theright thing, to help yourself,
(09:07):
your family, your community, theworld at large?
To emulate God, in other words,to be a giver and not a
receiver.
To be able to help people andnot expect recognition and not
to expect things in return.
That it's only conditional Iwill only help you if it helps
me.
You would be amazed.
You know, oftentimes thesewealthy people are giving
charity and they're giving themto organizations, but it really
(09:30):
depends.
Where is that tax receipt goingto be largest?
Where are they going to get thebiggest bang for their
charitable dollar in terms ofrecognition or in terms of a tax
write-off?
That's what drives them, notwhere's the money going to?
Not, who am I helping?
Not what kind of an impact isit going to have on those
receiving it?
That's secondary or tertiary,and sometimes they don't even
(09:51):
think about it.
They just know that they haveto give a big amount of money to
the tax man.
And if they divert that moneyinstead, sometimes, believe it
or not, it's set up so that itgoes into a charitable trust for
themselves, for their families.
My friends, now you couldprobably make the argument that
it's legitimate, and at onepoint it may be, but after
(10:12):
you've established a certainamount of wealth that everybody
knows, every human, everyreasonable human being, knows
that that money is alreadybeyond, it's already in a
different category, that it doesnot belong to you.
You couldn't possibly use thatmoney in your lifetime and yet
you insist on still putting intoyour own personal charitable
(10:32):
trust because you're so carefuland so worried about losing it
and where it's gonna go.
My, you are making some really,really bad decisions and the
only one who suffers from thatis you Because, as we said
before, you lose out not only onthe joy and the pleasure and
the honor that's supposed tocome to you in this world, but
also in that honor that'ssupposed to come to you in the
(10:54):
next world.
That's it for today, my friends.
We continue tomorrow.
Have an amazing day.
Good morning everybody and welcome to the
Trust Factor, the podcast thatguarantees your success when you
implement its teachings.
My friends, getting right backinto this book very important,
we're still talking aboutindividuals who are chasing
material possessions, materialwealth.
We're talking about those whohave it and who are hoarding it,
who refuse to let go of it orthink falsely that they own it,
(00:22):
that it belongs to them, andwe're talking about how they are
willing to risk their honor inorder to be able to attain that
wealth and to keep it.
At the same time, we're goingto talk about the other party
because, my friends, it takestwo to tango.
We're going to talk about theother side, the receiver.
The receiver has often andcurrently and I know this and
you know this there are so manypeople who have to reduce
(00:44):
themselves to grovel, to beg andto plead and to give false
placations and to make somebodyfeel good who has money, because
they want the breadcrumbs thatare going to fall off of them.
So, in their case, they aresacrificing their honor in order
to receive from flesh and blood.
What does he say?
He says somebody who has moneyand operates in the proper way
(01:06):
says it says that his confidencein the money that is coming to
him that God is going tocontinue to provide.
Remember, we're talking aboutsomebody who's got a lot of
money here.
His confidence in what God isgoing to continue to provide for
him is greater than theconfidence in the money that he
already has.
He has millions of dollars inthe bank.
He's got buildings around theworld.
He's got plants all over theplace.
(01:28):
This guy is worth hundreds ofmillions of dollars and yet he
doesn't rely on his hundreds ofmillions of dollars.
What an outlook.
I mean.
Can you imagine this?
For a second, friends, a guy isworth hundreds of millions or
billions of dollars and he doesnot see his fortune as his
source of security.
Why, it says?
Because he does not know ifthat money that is sitting by
(01:50):
him even belongs to him.
We said before it might havebeen given to him in order to be
given to somebody else after hepasses, or to his wife's new
husband or whatever it may be.
He doesn't know, know, and he'sokay with that.
He says, okay, I've got thismoney over here, but I'm a
(02:10):
steward.
Clearly I don't need this moneyfor survival.
Hundreds of millions andbillions of dollars Today, it
doesn't take much.
People are living without anincome, a basic income.
People are living off ofgovernment stipends and yet they
haven't missed a meal.
Many of them.
Sure, I get that there'spoverty in the world.
I'm not discussing poverty.
I'm saying that there are manypeople and I know many of them,
especially the elderly who havenot amassed huge fortunes, who
(02:31):
are sustaining themselves.
They're eating, they'redrinking, they're sleeping,
they've got roof over their head, they've got clothes on their
back, they're living.
It doesn't mean they're livinga lavish lifestyle, it doesn't
mean you'd want to trade placeswith them, but the point is
they're surviving, they'rebreathing, they're capable,
they're perfectly healthy andthey haven't missed a meal, but
they're not living a lavishlifestyle.
So somebody who's worthmillions and hundreds of
millions and billions of dollarsclearly has plenty of excess.
(02:54):
So this individual is sittingwith so much money in their
account and yet this is theright person.
This person is thinking tohimself that money is not for me
, or it may not be for me, so Icannot rely on it.
I still need to continue torely on God to provide for me
every single day.
Can you imagine this outlook,guys?
Just imagine the mindset of anindividual like that.
(03:16):
How humble somebody needs to be, to look at the people that
surround them and theinfrastructure that he has
created and built and amassed,and think it's not for me, it
may not be for me, it might befor somebody else.
Wow, talk about groundingsomebody, right?
He says such a person willhonor, will attain honor in this
world and after death, goodreward will come in the world to
(03:41):
come.
You understand, that's how youbuild a name.
You build a name for yourselfby being that person in this
world.
There are many ofmulti-millionaires and
billionaires in this world.
You know nothing about, right?
They're not making thelimelight, you're not hearing
about them.
And yet there are so manypeople who are not millionaires
and billionaires who are gettingthe limelight.
Why?
Because it's not how muchthey're worth, it's what they do
(04:03):
with whatever limelight.
Why?
Because it's not how muchthey're worth, it's what they do
with whatever they have.
People tend to feel secure, itsays, when they have a large sum
of money in the bank, reasoningthat those funds are already
theirs, but are apprehensivewhen they have little or no
savings, since they fear thefuture.
The wise man who understandsthat his money comes from heaven
has the opposite attitude.
Even when he has no savings.
(04:24):
He is serene Imagine thatConfident in the knowledge that
God will send him whatever heneeds when he needs it.
On the other hand, having alarge account in the bank does
not increase the sense ofsecurity, since he knows that
that money might have beendeposited with him to safeguard
for someone else and he willnever get to use it.
(04:46):
Because this is his attitude,he has no qualms about
distributing his extra income tothose who are dependent on him.
Think about it.
Who's more prone to give awaythe money, to use it for good
things, to assist humanity inachieving their ultimate goals?
Who is the one who is capableof sustaining society better?
An individual who thinks thatthat money is his and nobody's
(05:08):
able to touch it?
And he needs it for tomorrowbecause who knows what might be
coming down the pipe?
Or the individual that hasamassed all this wealth and yet
views it as not even potentiallybeing his?
He says, okay, it's not mine,that means I should give it away
.
He parts with it.
He recognizes I have everythingI need.
I have everything I want.
My kids have everything theyneed and everything they want.
(05:29):
Everybody around me haseverything they need and
everything they want.
I need to be able to part withmy money to help build humanity,
to help support Torah causes,to be able to spread godliness
in the world, to make peoplebetter.
Thus he avoids the second errorof the foolish person mentioned
above who hoards his money forfuture needs, unlike the foolish
(05:49):
benefactor mentioned in thethird error, who expects praise
from those who he supports andtherefore does not receive
sincere honor.
Remember we said they're justplacating him because of his
arrogance.
Right?
The wise benefactor who seeshimself as nothing more than
God's agent attains true honorin this world because people
appreciate his humility andultimately merits the
(06:14):
exceptional reward of the nextworld.
The people who are remembered inthis world, my friends, are not
the billionaires.
They are the billionaires whoare humble.
They are the billionaires whodedicate their life to lifting
up humanity.
There are so many millionairesand billionaires who you will
never hear about because they donot give, they do not care
(06:36):
about anybody else, they arejust hyper-focused on themselves
.
I'm not suggesting that therearen't millionaires and
billionaires who are doing theright thing.
Thank God there are plenty.
We have to be grateful thatthere are such people in the
world.
There are many of them and youstill don't hear from them
because they're doing it theright way.
Oftentimes they're doing it thewrong way.
Oftentimes, if they've gotmoney and they're going to give
(06:57):
it, it has to come in a very bigprice.
Like, for example, if you'regoing to put my, if you're going
to take my money to build thatnew building, then you better
have my name on that buildingand it better be spelled
properly, and I'm going to takeup every inch of space that
you're allotting to recognizingwho my family is on that
building and everybody needs tobe able to see it.
So positioning on it is very,very critical here.
(07:19):
Right?
If my name doesn't go on thatbuilding, you're not getting a
dime from me and they're goingto make sure.
You got to understand.
There's an agreement that comeswith that right, because they
want to maximize the amount oftime that their name is going to
be on that building and theywant to make sure that somebody
can't come and scoop out thathonor from underneath them.
Understand?
So that's the wrong way to dothings.
It doesn't mean that person isnot going to get reward.
(07:41):
They may also get reward.
It's not going to be maximized.
The maximum reward comes whenyou do something like giving
charity in a modest fashion.
So you give charity and it'snot conditional, not like the
tyrants who make everythingconditional.
Let's continue.
He's talking about, over here,wealth for the sake of honor.
(08:01):
He says there are certainclasses of people who labor to
obtain money and a massivefortune only because they crave
honor for themselves from thepublic and they wish to make a
name for themselves.
I just finished telling you thereason they want to make money
is because they want their nameon the building.
The reason they want their netto make money is because they
(08:22):
want to compete with Elon Musk.
They want to be the richest manin the world.
They want to be the big guy inthis category.
They want to be the person thateverybody looks up to.
No amount of money is everenough for such people.
This behavior is due tofoolishness on their part in
wrongly assessing what bringstrue honor in this world and in
(08:45):
the world to come.
One who toils to amass moneybecause he's worried about
future needs might rest when hefeels he's accumulated enough to
support himself for the rest ofhis life, but one who is
chasing after money because itbrings honor will never rest.
It doesn't end, my friends.
Why are you chasing money.
Are you chasing money to do theright thing, to help yourself,
(09:07):
your family, your community, theworld at large?
To emulate God, in other words,to be a giver and not a
receiver.
To be able to help people andnot expect recognition and not
to expect things in return.
That it's only conditional Iwill only help you if it helps
me.
You would be amazed.
You know, oftentimes thesewealthy people are giving
charity and they're giving themto organizations, but it really
(09:30):
depends.
Where is that tax receipt goingto be largest?
Where are they going to get thebiggest bang for their
charitable dollar in terms ofrecognition or in terms of a tax
write-off?
That's what drives them, notwhere's the money going to?
Not, who am I helping?
Not what kind of an impact isit going to have on those
receiving it?
That's secondary or tertiary,and sometimes they don't even
(09:51):
think about it.
They just know that they haveto give a big amount of money to
the tax man.
And if they divert that moneyinstead, sometimes, believe it
or not, it's set up so that itgoes into a charitable trust for
themselves, for their families.
My friends, now you couldprobably make the argument that
it's legitimate, and at onepoint it may be, but after
(10:12):
you've established a certainamount of wealth that everybody
knows, every human, everyreasonable human being, knows
that that money is alreadybeyond, it's already in a
different category, that it doesnot belong to you.
You couldn't possibly use thatmoney in your lifetime and yet
you insist on still putting intoyour own personal charitable
(10:32):
trust because you're so carefuland so worried about losing it
and where it's gonna go.
My, you are making some really,really bad decisions and the
only one who suffers from thatis you Because, as we said
before, you lose out not only onthe joy and the pleasure and
the honor that's supposed tocome to you in this world, but
also in that honor that'ssupposed to come to you in the
(10:54):
next world.
That's it for today, my friends.
We continue tomorrow.
Have an amazing day.
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