For the majority, people often always said that wealth is
someone who has a lot of wealth or money due to material gain,
and man is happy through that matter. But really, accumulating
money can bring some degree of happiness, but not complete
satisfaction by itself.
Some people think that the more wealth you accumulate, the more
you can overcome difficulties. So, you work hard to become rich,
but when you become a millionaire, you face many unexpected
difficulties, insecurity, anxiety, hostility, and difficulty in
keeping wealth. This clearly shows that accumulating wealth is
not a solution that can solve human problems. Wealth can
certainly help overcome some difficulties, but not happiness in
this world can be achieved with money. Money can not uproot all
There are some people who have a lot of possessions who failed
to deal with those around them because they do not understand
the means and end. They do not understand the nature, meaning,
and proper function of wealth. Wealth is only one means by which
you can achieve the end of ultimate happiness. But, you can be
happy without heaving to be rich.
Wealth must be used for good reason and wisely. Wealth must be
used for the happiness of ourselves and others. If you spend all
the time clinging to your possessions but not fulfilling your
duties with the country, the people, and the religion, then you
live an empty and depressing life. There are too many people who
are so obsessed with material attainment that they forgot both
their responsibilities to their families and their fellow human
beings. Happiness is a strange thing, because the more happiness
you share, the more satisfied will be.
If you are selfish, you can not sow goodness at present, until
you have left this world, it is too late to use your
possessions, and surely the rebirth will suffer. No one, not
even the wealthy and true benefits from accumulating wealth, who
lives with a selfish mind will suffer from five reasons for
bankruptcy. Meanwhile, those who regularly practice almsgiving,
offering, helping, and sharing with others will create a good
cause and will enjoy good karmic retribution. At the same time,
avoiding the calamities from these five bankruptcy reasons, the
five reasons bankruptcy are:
- Cause of the bankrupt flood
- Cause of the bankrupt fire
- Cause of the bankrupt thief
- The cause of the king confiscation of bankruptcy
- The reason is that children are filial and destructive to
1. Floods make bankruptcy
Natural disasters, floods, tsunami, thunderstorms are known to
everybody, everyone hears them, and often happens often in the
world, from this or somewhere else. Its power is that it robs
people of property, material possessions, sometimes a lifetime
of hard work, great effort, and saving of certain possessions,
through a natural disaster or war dissipate nothing. There are
even people who are until six or seventy years old to create a
house, buy a few items, a little money to save for old age
maintenance. Yet through a natural disaster, in the glance of an
eye became empty-hand.
You see in this world, there are so many surprises that cause a
painful loss for people. The reason is nothing but cause and
effect. Because you have in many lives, many lives have cause so
many sins, for example, the wealth and material you have created
is not with your own strength, sweat, and righteous deeds, but
you have used tricks, to deceive, steal or exploit others.
Therefore, in this life although your possessions are abundant,
the blessing does not exist, so they do not last with you for
long, but they follow your bad karma.
Therefore you need to know which causes riches and
live a full worldly bliss without being devastated by the
You see that in Viet Nam and around the world, floods every
year, especially the central and northern region of Viet Nam
cause many miseries for people, and in the Southwestern region
of Viet Nam when the flood season comes, it swept away
everything you saved for years, but only a flood is lost. Not
only houses, furniture are swept away by the water, but also
human lives can be in danger. This painful scene, you have seen,
knew through it very well.
But in the same situation, some people lose a lot, some have a
little loss, some are safe from loss, some people lose their
property, some people lose their lives, etc... In that misery
loss, if you think God is determined, and you can not resist it,
it is not true. Do you have to find out why there is such a
You can say that God is here to show the law of cause and effect
which is operating in a cycle of causation, affecting the
negative cause that you have done in the past: Sowing cause,
collect the result. Understanding this law, you will have a
method of transforming, changing it. You do not complain about
heaven, not blame the earth or resentment, blame anything for
fate, but you must create good deeds right now, and at the same
time use the true understanding to create the opportunities,
improve present life for the better.
2. The cause of fire bankruptcy
Fires and earthquakes are natural disasters, but their damages
are also terrible and unpredictable. You have seen many families
dissipate their careers or die just because of the unintentional
outrage of the fire, all their lives working hard to build
houses, buy a car, buy luxury items, expensive in the family.
But in just a few hours of the fire, you become empty-hand.
Sometimes this disaster is caused by yourself, sometimes by the
carelessness of a neighbor's house causing disaster for many
families at once. What you can not keep, but your whole life
worries to protect, so when you lose it, you are very miserable.
3. Theft and bankruptcy
Theft is sneaked out of the owner's knowledge. Robbery is the
force to force an owner to turn over property or use the force
to destroy the owner to usurp the property. You have worked
hard, saved a little money, and wealth, then you will be stalked
and robbed. So, having a property in your hand is not guaranteed
to be preserved for a long time. Make it clear about theft and
robbery that hard work to create wealth, and the property is
appropriated by others.
Although the two ways theft and robbery differ, both have the
same purpose of appropriating the property of others. These two
actions both violate the law, violate human morality, contrary
to common sense in human society, so they are condemned by
society. Although this behavior was harshly condemned by society
and the punishment law did not loosen, but it still happened.
This is an accident that happens often with people and this
caused by one person to another. If you read the newspaper
often, you know every which day and every which night also there
is robbery happening in one place or another. This problem
happens everywhere from urban to rural areas.
Some people can find it back after being theft and robber, but
others don't. According to the Buddha's insight, all situations
that happen have a deep cause of it, nothing suddenly, when it
is not, or happens by chance:
- The first reason is human greed, wanting to enjoy too much,
living lazy or addicted to all kinds, therefore stealing and
robbing to have money to spend.
- The second reason is that the person whose property has sown
the cause of steal and robbery, deception, exploitation, and
doing illegal things to get wealth for themselves in the
previous life or the present life, that retribution leads to
- The root deep and far I want to say here is the cause and
effect. You in the past due to greed have done many negative
things, causing suffering materially for others. This greedy
unwholesome cause leads to today your possessions are being
watched and noticed by the greed of others. They seek to
appropriate your property in many ways. Depending on how badly
your bad karma was sown, the same way and the extent to which
your property has been stolen.
Therefore, you should diligently do merit, giving, and making
offerings that will avoid the calamity of a robbery occurring to
4. King or officials foreclosure bankruptcy
In the ancient monarchy, the King ruled over the world, and all
authority was in the hands of the King. Therefore, whoever sins,
what the King wants to judge is his subordinates have to do
that. Because according to the conception of that time, the king
is the son of Heaven, who ruler over all nations. Since then,
the King wants to do whatever he wants, during the court, no one
dares to stop.
When judging the corrupt bureaucracy, or the people lying, or
those suspected of harming the court. The king stands to judge
according to the crime, there are many types of harsh
punishments such as: Kill all three families, paternal, maternal
and wife or kill all nine life or confiscation all the property
and then exile goes to the countryside as a precaution against
the court. All these things to anyone, are also caused by cause
and effect, bad karma from the previous life. Knowing this place
clearly, you must live a peaceful life, work your blessing, and
hope to escape from this affliction.
Today, although there is no feudal regime headed by King with
full authority, the current law still has strict and very severe
terms and frameworks such as the death penalty, life
imprisonment or foreclosure, etc. There are people who do not
commit crimes, but due to irrefutable evidence thing, can not
justify, so must be charged with injustice. Once the King,
Official, or government order it to be confiscated, all the
money and properties are totally confiscated.
Thus, the effort of your energy to save a little money and
property, once the people who have the powerful want to steal
it, you have no way to protect it. Such an extremely unjust case
is due to karmic retribution, bad karma you created in your
previous life, and only now have conditions to emerge.
5. Children sabotage bankruptcy
As parents, everyone loves their children. You always want to
give your children a well-deserved, enough, full, and warm. The
parent is always ready to extend their hands to support and
protect your children, and sometimes even have to do the bad
things to earn money to support and protect your children.
Many parents, because they want their children to be full &
enough, they have to work hard, do business, trade, create
wealth, so they have less time to contact and educate their
children so that their children want to do whatever they want.
Parents only provide money without understanding the reasons.
From there, making children reliant on their parents, family
career, not cultivating themselves, studying, just playing,
debauchery, depraved, making friends with bad people, and then
falling into a state of addiction, smoking.
We see many families, parents working hard all their life, just
out of love for their children that in a moment they are away
from home their property is suffering, poor and hungry.
There are many parents who work very hard, gain money sweating,
tearing eyes, all out of love and concern for their children for
later. Unexpectedly, they grow up, they were naughty,
disloyalty, infidelity, did not think of their parents' merit
like the high sky and wide ocean, but were still aggressive and
insistent, claiming like this and that. They imitate their
friend with bad habits and go home to make a story seek money
from parents. If do not have, they can do cruel things to
accomplish their goals destroy property, harm their parents.
These things already happen in many places.
The story is that a mother had two sons. She was middle-aged but
still beautiful. She paired up with the rich old men, then
tricked her into taking money to provide for her two children.
Her two sons were very rebellious. They refused to study or do
business but only waited for their mother to give them money to
spend. Because they refused to work, they had a lot of time,
playing with bad friends, and end up falling into addiction.
Since then the amount of money they need to spend each day more.
Out of love for her children, she found every way to deceive her
lover to have money to support her sons.
By the time the two children were arrested and taken to the
detoxification center by the police, instead of advising her
children to give up their evils, she feared that the drug-hungry
children could not bear the addiction. She looked for a broker,
hooked up with the center's management staff, to supply drugs
for her children to use. As a result, one child died in the
detoxification center due to an overdose of the drugs from the
amount of drug she sends to them to use for several days. And in
less than two years, she has to sell her house, still in debt to
many people. In the end, she has to stay at home to rent.
Because she loves her children blindly, she suffered from
housebreaking, living a life of poverty, relatives no one dared
to help because they were afraid of being involved.
As a parent loves your children, but you have to love your
children the right way to help them grow. Don't love your
children like that kind of motherhood is very dangerous for your
children, for yourself, for the whole family, and society. You
must teach your children the value of life by the spirit of
independence, not relying on family, especially teaching your
children to know the correct awareness of cause and effect and
karma to give them a valuation life, meaning, and long
Parents take care of their children like that, so the ancients
called debt. Parents pay the debt for their children. When the
child was newborn, the mother lay on the wet-side, the other
side was dry for the child, the parents had to take care of the
child to eat and drink properly. Every time when the weather
changes, the sick child is that the mother is fidgety, has to
stay up all night worrying and taking care but dare not
complain. When their children grow up a little, parents have to
take care of their children to study, no matter how much it
costs them, parents also have to take care of their debts. Then
take care of the jobs, build the husband and wife so the family
household, divide the property for the children, etc. So parents
pay the debt for the child. Payback until the debt is over. If
this life is not full pay, then the next life reincarnation will
This is only one aspect of the cause and effect, but actually,
you are born as a human in a family together is due to virtue or
conditions. Because you see that every parent loves their
children fulfilling their duties and responsibility, seeing
their children are healthy, successful is happy, besides all
children know to love and be filial to their parents,
grandmother, and grandfather. Very few families with children
who are not filial, go bankrupt, do not know to be human, fall
into this vandalism only.
Buddha taught that worldly possessions are so readily taken by
five reasons of power, you can not keep them. Yet all your life
you worry about having money and wealth. When you have money,
you have to take care of it, when you can not keep it, you
suffer. Infatuated people worry like that until they stop
breathing. Living for five or seventy years, you put all your
strength into creating and preserving something that you can not
be kept, which is sad and pitiful.
As such, in both cases, you can not preserve the property:
- The first case is destroyed by external circumstances.
- The second case was destroyed by relatives.
Yet there are only a few people awakened, only a few who are
concerned with eternal wealth. That is why the Buddha has only
told you that you have a kind of fortune that will never be
lost, fire does not burn, water does not wash away, and
robberies can not stalk. This property is divided into two
parts. One is an asset you have build up from within. The second
is the property you get from helping others.
1* First of all, talk about your inner possessions.
Buddha teaches you to practice for merit. How to practice for
Once you understand the Buddha Dharma, then practice is saving
your possessions for yourself. Merit is wealth. You know how to
cultivate, you must be wise and insightful. What harm you must
leave out. When dealing with people in the house, with neighbors
who are always peaceful, gentle, kind, never angry, people will
not hate you. When you have an accident, everyone helps. Thus,
your gentle deeds will transform others. That is an asset you
will save that no one can steal.
You cultivate do find and keep your owner precious things, not
cultivate to pray to Buddha for this or that thing. You do not
know how to turn your calamity mind into a good thought for
everyone to love, no matter how much wealth you have, you will
lose all. Only need to cultivate a gentle nature to truly know
how to keep property forever.
To cultivate this kindness to grow, you need to practice more
compassion to love people. So, through patience, through
compassion, you can increase merit. Compassion and patience do
not need to costs money to have but are already in your mind. As
long as you care and nurture it arises immediately. That true
merits that no one can stalk. The Buddhist house calls it good
karma. Good thought, a good mouth, a good body is good karma. In
this life you live with good karma, when you die it follows you
never to leave. This is a very essential issue. So, you must
somehow create merit, for it is your permanent asset. That is
the inner merit you create.
2. The second merit is giving by helping
For example, if you see a hungry person without food, you can
share it with them. Such almsgiving will create merit, that is
your never lost wealth. Almsgiving is divided into three
categories: Giving of assets, giving of Dharma, and almsgiving
Giving property is giving of money and wealth. If you find that
the poor lack everything, you have a surplus, your help is
called giving of wealth, People sad and suffering, you use
Buddha's teaching to help them reduce suffering which is giving
of Buddha Dharma. People who are afraid, panicking, not being
safe, you advise or protect them to be safe, that is called
giving of fearless. For example, the kids want to cross the
street but the traffic is too much, they are afraid to cross,
you hold their hand and take them over. It is also calling
almsgiving. So, all of you have the ability to give. You have
money, then give your money. You do not have money to give your
words. If you are not good at speaking, giving alms by acts of
In the Sutra, the Buddha also created every bit of merit to
pierce the needle, what situation you are less bless, lack of
knowledge, but you can not do the deeds of merit. In the old
days, there was a blind monk who wanted to patch his robe, he
pierced a needle to sew but could not get it through all the
time. The Buddha pass by seeing and asked:
- What are you doing?
- The lord Buddha sir! I'm piercing a needle.
- Can you get it done?
- I pierced for long, but I can't do it
- Let me do it for you.
Then the Buddha sat down and pierced the needle for the blind
monk. The monks saw that the small needle piercing that the
Blessed One still did to collected every bit of merit, so no one
dared to despise.
Whatever you can help others do, no matter how big thing or
small is matters. Thus, cultivators do not need to do anything
big and important, but from the smallest, you see everyone who
needs help you ready to help. Helping people from difficulties,
from suffering, it is almsgiving. You give alms in all means.
You see that it is not having a lot of money, a lot of
almsgivings to be blessed, but a small thing but with a large
mind, sacrificing your life, that blessing is also very great.
So, you do good deeds, do not wait for a lot of money to worship
the Temple to be blessed. With sincerity, good heart, even more,
or less there are great blessings. That merit no one sees, no
one knows, only enlightened ones see it. Hence everyone can do
The merits created by you are truly your inheritance, and all
worldly possessions will be lost, they are not durable. Have you
been collecting such merit assets? or just collecting money to
save or send it to the bank? What can be lost, you keep
worrying, keep fighting, and what is not lost, you ignore and
forget. That person does not know how to practice.
People who know cultivators must see what is sustainable, then
try to do, what is temporarily do not care. This is a very
essential issue. Two kinds of external assets and inner merit,
which one should you choose? Most choose property because merit
is invisible. But it is the unseen that is not taken away, and
the visible property will be shared, taken away, or taken away
totally by others.
You do good deeds and will have merit, and others will imitate
them, so it is of great benefit to the world. There are still
many assets that are not used up, the lack of people will surely
spy on them, stalking them to steal, created bad karma, both of
you and them suffer.
You understand so, hoping that you try to do good things.
Everyone who meets everyone is cheerful, smiling and friendly,
not angry, swearing, obscene, causing pain to each other. To be
like that, if your whole life is not rich, not abundant but
happy, peaceful. If you have a lot of possessions and those
around you are many poor, hungry, or needy the more you suffer,
the more you will not be happy. So, true merit always brings you
happiness. In this way, you are happy, but those around you are
also good, and happy.
In short, how long does your life last? Does anyone dare say I
live until the age of ninety to die? No one dares to decide like
that. Your life there is not guaranteed, but you live a long
life, then happy at that time. Suppose you were only seven or
eighty years old you will die, and looking back now, you are
already forty, fifty, or sixty years old already. There is not
much time left. Thus, death is always lurking, waiting for the
opportunity to capture you, no one will avoid it.
But, now you are only concerned with life without thinking of
imminent death. If you think, only think when you die buried
somewhere, never think when you die there is enough merit or
not? Therefore, you should divide your daily actions into two
parts: One for life, one to prepare for death, because death can
not be hidden. If you are not preparing for the day when you
close your eyes, where will your future life be going? When you
were alive, you did not think about when you died, when you are
about to die, you will panic, fear not knowing what will you be,
Buddhist laymen who have a dying illness usually invite monks to
come and chant prayers for them. With that prayer that will
bring the souls of the dead back to Western Paradise, that
should be done, but the effect won't be a hundred percent. Why?
Because Buddha taught, the karma you have created leads you, not
one is able to lead you. If so, only partially. Many people
mention in the Umlambana Sutra already said, Mahamaudgalyayana's
mother was fell into hell as a hungry ghost but he was still
able to save her. But they forget in the Umlambana Sutra that
says, you must be invited:
- The deep forest meditators, the summer retreat monks, the
Arahats attaining the six transcendental or magical power.
That means you have to invite the arahats who attained
enlightenment can be helped.
All of you because you love yourself, want benefits for your
life, you must try to cultivate good merits. Create as much as
possible. For that is your wealth, no one can get it, the fire
that won't burn, water that doesn't drift, that's really yours.
The reality that you don't care about, worrying about the
unreal, is the ignorance. Practitioners must be wise and can not
be blind. So you are a true practitioner, you must prepare
yourself in this life.
As the Buddha taught, the people who keep the precept does not
kill life after long life, less illness. Keep the precept not to
rob the rich afterlife. Keep the precepts from adultery in the
next life beautiful, dignified. To keep the precept from lying
and speak very fluently in the next life, everyone believes in
you. Keep the precept from drinking alcohol, not smoking drugs,
etc, in the next life-wise, intelligent. You keep these precepts
as preparing you for your next life to qualify as a better
person now, that is cultivation. Refuge in the Three Jewels,
keeping the five precepts is a practitioner.
In a family, husband and wife and children all take refuge in
the Three Jewels, keep the five precepts, that family is gentle
and honest. In a hamlet, a village everyone keeps the five
precepts, the hamlet, the village is all peaceful and happy, not
afraid of robbery, adultery because everyone is good, also
practice. Buddhist practice is to bring benefits for oneself,
for family, and for society.
Understand clearly that, on the way of cultivation, is very
beneficial, because you wisely do not create the cause of bad
karma, certainly do not get bad results. Buddha says:
- Boddhisattva are afraid of the cause
The sentient beings are afraid of the results
Because the Boddhisattva knows the cause of the evil, cruels, he
should immediately avoid it, so he is not afraid of bad results.
As for sentient beings who fear results, when they do the cause
they do not fear, they panic until they meet bad results. So
talking about cultivation is talking about people who are awake,
not deluded people.
If you know how to prepare for your future life, then you will
live in this world with no waste. Because, if you live for
seventy, eighty years old and the only worry about eating well,
dressing well, etc. until you get old, stop breathing, become
something you do not know, it is a waste of human life. So,
worrying a lot, in the end just nurturing a temporary fake body,
nothing noble, but most people are stuck in it. So, you have to
live with what's true, not care about fake things.