Money is a very important tool to make a big difference in

Hear the wisdom of Shiv Khera, who spoke thus: “Money is a very important tool to make a big difference in people’s life. It is positive or negative depending on the values.” These words shine with clarity, for they remind us that wealth in itself is neither holy nor corrupt, but like fire—capable of warming the hearth or burning the house to ash. The true measure of money lies not in its glittering weight but in the spirit of the hand that wields it.

To call money a tool is to strip it of illusion. It is not a master to be obeyed, nor an idol to be worshipped, but an instrument to be directed by human will. In the hands of the noble, it builds schools, heals the sick, and feeds the hungry. In the hands of the corrupt, it fuels greed, oppression, and ruin. Thus Khera’s words remind us that the power of wealth is not innate, but shaped by values, the compass of the soul that determines whether wealth becomes blessing or curse.

Consider the life of Andrew Carnegie, who rose from poverty in Scotland to amass one of the greatest fortunes in American history. In his later years, guided by the value of philanthropy, he gave away nearly all his wealth, funding libraries, universities, and cultural institutions. His belief that “the man who dies rich dies disgraced” echoes Khera’s teaching: money, directed by high values, becomes a fountain of good that blesses generations.

Yet history also warns us of the opposite. The tale of Ferdinand Marcos of the Philippines is one of squandered values. Though entrusted with the wealth of a nation, his corruption and greed drained the lifeblood of his people. What could have been used to uplift became a tool of oppression. Thus we see the shadow side of Khera’s words: money without values becomes poison, destroying not only the one who hoards it but all who fall under its reach.

The meaning of this quote is profound: wealth in itself is neutral, a vessel awaiting direction. It does not shape destiny; it reveals it. A person’s values are the true architects of the impact that money will have. The same coin can be used to purchase weapons of war or tools of healing, to spread despair or to inspire hope. In this truth lies both warning and opportunity: wealth tests the soul, unveiling what it truly treasures.

The lesson for us is clear: do not fear money, nor worship it. Instead, cultivate values strong enough to command it wisely. Let honesty, generosity, and justice be the guides of your financial dealings. If wealth comes to your hand, ask not only how it may serve you, but how it may serve others. For in serving others, you plant seeds that endure beyond your life, while selfish gain vanishes like dust in the wind.

Practical wisdom calls us to three acts. First, examine your values—for they will shape every coin you spend or save. Second, use money with intention, directing it toward causes that reflect your highest principles. Third, beware the temptation of greed, for it blinds the heart and makes a servant of what should remain a tool. In this way, you can wield wealth as an ally in building a brighter world, rather than letting it enslave you.

So let it be remembered: as Shiv Khera declared, money is a tool, mighty yet neutral, awaiting the guidance of human virtue. In the hands of the wise, it becomes a sword of justice and a lamp of mercy. In the hands of the corrupt, it becomes a chain of bondage and a fire of destruction. The choice lies not in the coin, but in the soul. Therefore, let every generation remember: wealth is a test, and values are the key.