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.

    金錢是一種需要用些智慧來明智地使用的商品。金錢是用來消費和交換其他一些有價值的物品的，但是它唯一的價值就是它的交換比率。因此，雖然金錢有價值，但是它的價值永遠不會超過我們頭腦中它買不到的東西的價值。例如愛，家庭，真正的友誼，尊嚴，榮譽，和生命都是無價的。雖然金錢可以防止我們饑餓，口渴，無家可歸或衣不蔽體。但是它不能像智慧那樣延長我們的生命。知識和智慧是一個人占最大優勢管理金錢的鑰匙。在使用金錢上缺乏智慧通常會導致迅速失去金錢。為了得到對金錢的平衡的觀點，我們必須嚴肅考慮金錢本身的價值，它能買到什么，不能買到什么，以及生命中比金錢更有價值的東西。金錢可以用來豐富我們和其他人的生活，但是不能定義我們的生活。為了教育孩子如何有益地利用金錢，父母們自身需要學習如何使用金錢。對金錢的明智使用開始于父母對金錢的觀點。在最理想的情形下，在生育或領養孩子之前，父母應該發展或者學習打算教給孩子們的生活本領。

    至于金錢，我們或許會想到一些短暫的，今日來明日去的東西。把金錢當作獨立的不會長期跟隨你的貨幣。多數人僅僅把金錢看做一組基金。這樣的思路可以幫助我們認清金錢的短暫和相對的價值。你收到的美元很可能在同一天內若干分鐘后花掉。金錢的價值如此之小，我們需要用很多張貨幣來購買我們需要和想要的東西。當我們以豐富我們和他人的生命的方式來用金錢時，金錢會帶來最大的好處�？梢垣@得最大利益的使用金錢的方法是用以初始資本獲取更多金錢的方法來投資。這可以通過銀行帳戶，股票，公債，不動產和其他的投資來完成。