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Approaches to Wealth
(ז) רַבִּי נַחְמָן בַּר שְׁמוּאֵל בַּר נַחְמָן בְּשֵׁם רַב שְׁמוּאֵל בַּר נַחְמָן אָמַר, הִנֵּה טוֹב מְאֹד, זֶה יֵצֶר טוֹב. וְהִנֵּה טוֹב מְאֹד, זֶה יֵצֶר רָע. וְכִי יֵצֶר הָרָע טוֹב מְאֹד, אֶתְמְהָא. אֶלָּא שֶׁאִלּוּלֵי יֵצֶר הָרָע לֹא בָּנָה אָדָם בַּיִת, וְלֹא נָשָׂא אִשָּׁה, וְלֹא הוֹלִיד, וְלֹא נָשָׂא וְנָתַן. וְכֵן שְׁלֹמֹה אוֹמֵר (קהלת ד, ד): כִּי הִיא קִנְאַת אִישׁ מֵרֵעֵהוּ.
(7) Rabbi Naḥman bar Shmuel bar Naḥman said in the name of Rav Shmuel bar Naḥman: “Behold it was very good” – this is the good inclination; “and behold it was very good” – this is the evil inclination. Is the evil inclination, then, very good? This is a rhetorical question. Rather, were it not for the evil inclination, a man would never build a house, would never marry a wife, would never beget children, and would never engage in commerce. Likewise, Solomon says: “[And I have considered all toil and all excelling in work,] that it is each man’s envy of his counterpart” (Ecclesiastes 4:4).
אִי נִשְׁפָּךְ בְּבֵיתוֹ כַּמַּיִם — אִיכָּא בְּרָכָה, וְאִי לָא — לָא.
This teaches that if wine flows in a person’s house like water, there is a blessing, but if not, there is no blessing.
(ז) הוּא הָיָה אוֹמֵר, מַרְבֶּה בָשָׂר, מַרְבֶּה רִמָּה. מַרְבֶּה נְכָסִים, מַרְבֶּה דְאָגָה. מַרְבֶּה נָשִׁים, מַרְבֶּה כְשָׁפִים. מַרְבֶּה שְׁפָחוֹת, מַרְבֶּה זִמָּה. מַרְבֶּה עֲבָדִים, מַרְבֶּה גָזֵל. מַרְבֶּה תוֹרָה, מַרְבֶּה חַיִּים. מַרְבֶּה יְשִׁיבָה, מַרְבֶּה חָכְמָה. מַרְבֶּה עֵצָה, מַרְבֶּה תְבוּנָה. מַרְבֶּה צְדָקָה, מַרְבֶּה שָׁלוֹם. קָנָה שֵׁם טוֹב, קָנָה לְעַצְמוֹ. קָנָה לוֹ דִבְרֵי תוֹרָה, קָנָה לוֹ חַיֵּי הָעוֹלָם הַבָּא:
(7) He used to say: The more flesh, the more worms; The more property, the more anxiety; The more wives, the more witchcraft; The more female slaves, the more lewdness; The more slaves, the more robbery; [But] the more Torah, the more life; The more sitting [in the company of scholars], the more wisdom; The more counsel, the more understanding; The more charity, the more peace. If one acquires a good name, he has acquired something for himself; If one acquires for himself knowledge of Torah, he has acquired life in the world to come.
(א) בֶּן זוֹמָא אוֹמֵר, אֵיזֶהוּ חָכָם, הַלּוֹמֵד מִכָּל אָדָם, שֶׁנֶּאֱמַר (תהלים קיט) מִכָּל מְלַמְּדַי הִשְׂכַּלְתִּי כִּי עֵדְוֹתֶיךָ שִׂיחָה לִּי. אֵיזֶהוּ גִבּוֹר, הַכּוֹבֵשׁ אֶת יִצְרוֹ, שֶׁנֶּאֱמַר (משלי טז) טוֹב אֶרֶךְ אַפַּיִם מִגִּבּוֹר וּמשֵׁל בְּרוּחוֹ מִלֹּכֵד עִיר. אֵיזֶהוּ עָשִׁיר, הַשָּׂמֵחַ בְּחֶלְקוֹ, שֶׁנֶּאֱמַר (תהלים קכח) יְגִיעַ כַּפֶּיךָ כִּי תֹאכֵל אַשְׁרֶיךָ וְטוֹב לָךְ. אַשְׁרֶיךָ, בָּעוֹלָם הַזֶּה. וְטוֹב לָךְ, לָעוֹלָם הַבָּא. אֵיזֶהוּ מְכֻבָּד, הַמְכַבֵּד אֶת הַבְּרִיּוֹת, שֶׁנֶּאֱמַר (שמואל א ב) כִּי מְכַבְּדַי אֲכַבֵּד וּבֹזַי יֵקָלּוּ:
(1) Ben Zoma said: Who is wise? He who learns from every man, as it is said: “From all who taught me have I gained understanding” (Psalms 119:99). Who is mighty? He who subdues his [evil] inclination, as it is said: “He that is slow to anger is better than the mighty; and he that rules his spirit than he that takes a city” (Proverbs 16:32). Who is rich? He who rejoices in his lot, as it is said: “You shall enjoy the fruit of your labors, you shall be happy and you shall prosper” (Psalms 128:2) “You shall be happy” in this world, “and you shall prosper” in the world to come. Who is he that is honored? He who honors his fellow human beings as it is said: “For I honor those that honor Me, but those who spurn Me shall be dishonored” (I Samuel 2:30).
(ט) אֹהֵ֥ב כֶּ֙סֶף֙ לֹא־יִשְׂבַּ֣ע כֶּ֔סֶף וּמִֽי־אֹהֵ֥ב בֶּהָמ֖וֹן לֹ֣א תְבוּאָ֑ה גַּם־זֶ֖ה הָֽבֶל׃
(9) A lover of money never has his fill of money, nor a lover of wealth his fill of income. That too is futile.
(יז) וַיֵּצֵ֣א מֶֽלֶךְ־סְדֹם֮ לִקְרָאתוֹ֒ אַחֲרֵ֣י שׁוּב֗וֹ מֵֽהַכּוֹת֙ אֶת־כְּדׇרְלָעֹ֔מֶר וְאֶת־הַמְּלָכִ֖ים אֲשֶׁ֣ר אִתּ֑וֹ אֶל־עֵ֣מֶק שָׁוֵ֔ה ה֖וּא עֵ֥מֶק הַמֶּֽלֶךְ׃ (יח) וּמַלְכִּי־צֶ֙דֶק֙ מֶ֣לֶךְ שָׁלֵ֔ם הוֹצִ֖יא לֶ֣חֶם וָיָ֑יִן וְה֥וּא כֹהֵ֖ן לְאֵ֥ל עֶלְיֽוֹן׃ (יט) וַֽיְבָרְכֵ֖הוּ וַיֹּאמַ֑ר בָּר֤וּךְ אַבְרָם֙ לְאֵ֣ל עֶלְי֔וֹן קֹנֵ֖ה שָׁמַ֥יִם וָאָֽרֶץ׃ (כ) וּבָרוּךְ֙ אֵ֣ל עֶלְי֔וֹן אֲשֶׁר־מִגֵּ֥ן צָרֶ֖יךָ בְּיָדֶ֑ךָ וַיִּתֶּן־ל֥וֹ מַעֲשֵׂ֖ר מִכֹּֽל׃ (כא) וַיֹּ֥אמֶר מֶֽלֶךְ־סְדֹ֖ם אֶל־אַבְרָ֑ם תֶּן־לִ֣י הַנֶּ֔פֶשׁ וְהָרְכֻ֖שׁ קַֽח־לָֽךְ׃ (כב) וַיֹּ֥אמֶר אַבְרָ֖ם אֶל־מֶ֣לֶךְ סְדֹ֑ם הֲרִמֹ֨תִי יָדִ֤י אֶל־יְהֹוָה֙ אֵ֣ל עֶלְי֔וֹן קֹנֵ֖ה שָׁמַ֥יִם וָאָֽרֶץ׃ (כג) אִם־מִחוּט֙ וְעַ֣ד שְׂרֽוֹךְ־נַ֔עַל וְאִם־אֶקַּ֖ח מִכׇּל־אֲשֶׁר־לָ֑ךְ וְלֹ֣א תֹאמַ֔ר אֲנִ֖י הֶעֱשַׁ֥רְתִּי אֶת־אַבְרָֽם׃
(17) When he returned from defeating Chedorlaomer and the kings with him, the king of Sodom came out to meet him in the Valley of Shaveh, which is the Valley of the King. (18) And King Melchizedek of Salem brought out bread and wine; he was a priest of God Most High. (19) He blessed him, saying, “Blessed be Abram of God Most High, Creator of heaven and earth. (20) And blessed be God Most High, Who has delivered your foes into your hand.” And [Abram] gave him a tenth of everything. (21) Then the king of Sodom said to Abram, “Give me the persons, and take the possessions for yourself.” (22) But Abram said to the king of Sodom, “I swear to יהוה, God Most High, Creator of heaven and earth: (23) I will not take so much as a thread or a sandal strap of what is yours; you shall not say, ‘It is I who made Abram rich.’
Apportioning assets is a core principle.
(ח) וַיִּירָ֧א יַעֲקֹ֛ב מְאֹ֖ד וַיֵּ֣צֶר ל֑וֹ וַיַּ֜חַץ אֶת־הָעָ֣ם אֲשֶׁר־אִתּ֗וֹ וְאֶת־הַצֹּ֧אן וְאֶת־הַבָּקָ֛ר וְהַגְּמַלִּ֖ים לִשְׁנֵ֥י מַחֲנֽוֹת׃ (ט) וַיֹּ֕אמֶר אִם־יָב֥וֹא עֵשָׂ֛ו אֶל־הַמַּחֲנֶ֥ה הָאַחַ֖ת וְהִכָּ֑הוּ וְהָיָ֛ה הַמַּחֲנֶ֥ה הַנִּשְׁאָ֖ר לִפְלֵיטָֽה׃
(8) Jacob was greatly frightened; in his anxiety, he divided the people with him, and the flocks and herds and camels, into two camps, (9) thinking, “If Esau comes to the one camp and attacks it, the other camp may yet escape.”
(ב) תֶּן־חֵ֥לֶק לְשִׁבְעָ֖ה וְגַ֣ם לִשְׁמוֹנָ֑ה כִּ֚י לֹ֣א תֵדַ֔ע מַה־יִּהְיֶ֥ה רָעָ֖ה עַל־הָאָֽרֶץ׃
(2) Distribute portions to seven or even to eight, for you cannot know what misfortune may occur on earth.
מַתְנִי׳ הַמַּפְקִיד מָעוֹת אֵצֶל חֲבֵרוֹ, צְרָרָן וְהִפְשִׁילָן לַאֲחוֹרָיו, אוֹ שֶׁמְּסָרָם לִבְנוֹ וּלְבִתּוֹ הַקְּטַנִּים, וְנָעַל בִּפְנֵיהֶם שֶׁלֹּא כָּרָאוּי – חַיָּיב, שֶׁלֹּא שִׁימֵּר כְּדֶרֶךְ הַשּׁוֹמְרִים. וְאִם שִׁימֵּר כְּדֶרֶךְ הַשּׁוֹמְרִים – פָּטוּר. גְּמָ׳ בִּשְׁלָמָא כּוּלְּהוּ שֶׁלֹּא שִׁימֵּר כְּדֶרֶךְ הַשּׁוֹמְרִים. אֶלָּא צְרָרָן וְהִפְשִׁילָן לַאֲחוֹרָיו, מַאי הֲוָה לֵיהּ לְמִיעְבַּד? אָמַר רָבָא אָמַר רַבִּי יִצְחָק אָמַר קְרָא: ״וְצַרְתָּ הַכֶּסֶף בְּיָדְךָ״, אַף עַל פִּי שֶׁצְּרוּרִין – יִהְיוּ בְּיָדְךָ. וְאָמַר רַבִּי יִצְחָק: לְעוֹלָם יְהֵא כַּסְפּוֹ שֶׁל אָדָם מָצוּי בְּיָדוֹ, שֶׁנֶּאֱמַר: ״וְצַרְתָּ הַכֶּסֶף בְּיָדְךָ״. וְאָמַר רַבִּי יִצְחָק: לְעוֹלָם יַשְׁלִישׁ אָדָם אֶת מְעוֹתָיו, שְׁלִישׁ בְּקַרְקַע, וּשְׁלִישׁ בִּפְרַקְמַטְיָא, וּשְׁלִישׁ תַּחַת יָדוֹ. וְאָמַר רַבִּי יִצְחָק: אֵין הַבְּרָכָה מְצוּיָה אֶלָּא בְּדָבָר הַסָּמוּי מִן הָעַיִן, שֶׁנֶּאֱמַר: ״יְצַו ה׳ אִתְּךָ אֶת הַבְּרָכָה בַּאֲסָמֶיךָ״. תָּנָא דְּבֵי רַבִּי יִשְׁמָעֵאל: אֵין הַבְּרָכָה מְצוּיָה אֶלָּא בְּדָבָר שֶׁאֵין הָעַיִן שׁוֹלֶטֶת בּוֹ, שֶׁנֶּאֱמַר: ״יְצַו ה׳ אִתְּךָ אֶת הַבְּרָכָה בַּאֲסָמֶיךָ״. תָּנוּ רַבָּנַן: הַהוֹלֵךְ לָמוֹד אֶת גּוֹרְנוֹ, אוֹמֵר: ״יְהִי רָצוֹן מִלְּפָנֶיךָ ה׳ אֱלֹהֵינוּ שֶׁתִּשְׁלַח בְּרָכָה בְּמַעֲשֵׂה יָדֵינוּ״. הִתְחִיל לָמוֹד, אוֹמֵר: ״בָּרוּךְ הַשּׁוֹלֵחַ בְּרָכָה בַּכְּרִי הַזֶּה״. מָדַד וְאַחַר כָּךְ בֵּירַךְ – הֲרֵי זֶה תְּפִילַּת שָׁוְא, לְפִי שֶׁאֵין הַבְּרָכָה מְצוּיָה לֹא בְּדָבָר הַשָּׁקוּל וְלֹא בְּדָבָר הַמָּדוּד וְלֹא בְּדָבָר הַמָּנוּי, אֶלָּא בְּדָבָר הַסָּמוּי מִן הָעַיִן, שֶׁנֶּאֱמַר: ״יְצַו ה׳ אִתְּךָ אֶת הַבְּרָכָה בַּאֲסָמֶיךָ״.
MISHNA: In the case of one who deposited coins with another, and that bailee bound it in a cloth and slung it behind him, or conveyed them to his minor son or daughter for safeguarding, or locked the door before them in an inappropriate, i.e., insufficient, manner to secure them, the bailee is liable to pay for the coins, as he did not safeguard the coins in the manner typical of bailees. But if he safeguarded the money in the manner that bailees safeguard items and it was nevertheless stolen, he is exempt. GEMARA: Granted, for all the other cases, the bailee is liable to pay, as he did not safeguard the money in the manner that bailees safeguard items. But if the bailee bound it in a cloth and slung it behind him, what more was he to do? Rava says that Rabbi Yitzḥak said: The verse states: “And you shall bind up the money in your hand” (Deuteronomy 14:25), from which it is derived: Although it is bound, in order to safeguard the money, it must be in your hand. And apropos that verse, Rabbi Yitzḥak says: A person’s money should always be found in his possession. He should not invest all of his money, leaving him with no money available for expenditures, as it is stated: “And you shall bind up the money in your hand.” And Rabbi Yitzḥak says: A person should always divide his money into three; he should bury one-third in the ground, and invest one-third in business [bifrakmatya], and keep one-third in his possession. And Rabbi Yitzḥak says: Blessing is found only in a matter concealed from the eye, as it is stated: “The Lord will command blessing with you in your storehouses” (Deuteronomy 28:8), where the grain is concealed. The school of Rabbi Yishmael taught: Blessing is found only in a matter over which the eye has no dominion, as it is stated: “The Lord will command blessing with you in your storehouses.” The Sages taught: One who goes to measure the grain on his threshing floor recites: May it be Your will, O Lord, our God, that You send blessing upon the product of our hands. If one began to measure the grain he says: Blessed is He Who sends blessing upon this pile of grain. If one measured and afterward recited this blessing, this is a prayer made in vain, because blessing is found neither in a matter that is weighed, nor in a matter that is measured, nor in a matter that is counted. Rather, it is found in a matter concealed from the eye, as it is stated: “The Lord will command blessing with you in your storehouses.”
The ethics of income and assets.
״עַשֵּׂר תְּעַשֵּׂר״ — עַשֵּׂר בִּשְׁבִיל שֶׁתִּתְעַשֵּׁר.
“A tithe shall you tithe [te’aser]” (Deuteronomy 14:22)? This phrase can be interpreted homiletically: Take a tithe [asser] so that you will become wealthy [titasher], in the merit of the mitzva.
(לה) וְכִֽי־יָמ֣וּךְ אָחִ֔יךָ וּמָ֥טָה יָד֖וֹ עִמָּ֑ךְ וְהֶֽחֱזַ֣קְתָּ בּ֔וֹ גֵּ֧ר וְתוֹשָׁ֛ב וָחַ֖י עִמָּֽךְ׃ (לו) אַל־תִּקַּ֤ח מֵֽאִתּוֹ֙ נֶ֣שֶׁךְ וְתַרְבִּ֔ית וְיָרֵ֖אתָ מֵֽאֱלֹהֶ֑יךָ וְחֵ֥י אָחִ֖יךָ עִמָּֽךְ׃ (לז) אֶ֨ת־כַּסְפְּךָ֔ לֹֽא־תִתֵּ֥ן ל֖וֹ בְּנֶ֑שֶׁךְ וּבְמַרְבִּ֖ית לֹא־תִתֵּ֥ן אׇכְלֶֽךָ׃
(35) If your kin, being in straits, come under your authority, and are held by you as though resident aliens, let them live by your side: (36) do not exact advance or accrued interest, but fear your God. Let your kin live by your side as such. (37) Do not lend your money at advance interest, nor give your food at accrued interest.
(יח) וְעָשִׂ֛יתָ הַיָּשָׁ֥ר וְהַטּ֖וֹב בְּעֵינֵ֣י יְהֹוָ֑ה לְמַ֙עַן֙ יִ֣יטַב לָ֔ךְ וּבָ֗אתָ וְיָֽרַשְׁתָּ֙ אֶת־הָאָ֣רֶץ הַטֹּבָ֔ה אֲשֶׁר־נִשְׁבַּ֥ע יְהֹוָ֖ה לַאֲבֹתֶֽיךָ׃
(א) לְדָוִ֗ד מִ֫זְמ֥וֹר לַֽ֭יהֹוָה הָאָ֣רֶץ וּמְלוֹאָ֑הּ תֵּ֝בֵ֗ל וְיֹ֣שְׁבֵי בָֽהּ׃
(1) Of David. A psalm. The earth is the LORD’s and all that it holds, the world and its inhabitants.
Foundations of a Jewish Economic Theory