INTRODUCTION
“The love of money is the root of all kinds of evil. Some have wandered away from the faith and have impaled themselves with a lot of pain because they made money their goal.” –1 Timothy 6:10
After reading the quote above, you won’t probably continue reading this article…But wait a minute, the quote above doesn’t say “money is the root of all kinds of evil…” It says, “the love of money is…” So, let’s talk about money, for money is important, at least since its invention up to our present time and probably until the foreseeable future.
To begin, there are a few people who are already rich and are focused on their business or on their leisure that the last thing they want to do is talk about money. There are also many who are struggling to keep both ends meet and so would hardly find the time to talk about it. Perhaps, some of them may already have given up in their struggle so that talking about money is out of the question.
Also, there are many more people who have some money and are content with what they have; this section wouldn’t be of interest to them. If you belong to this group, bless your heart. You have found the solution to the problem of money. You may stop reading now. But for some reason, if your interest has been aroused, please continue.
To the rich and fortunate few, “Congratulations!” You have been blessed tremendously. You may likewise stop reading now, especially if you’re happy and living a good life. However, if despite your immense fortune, you still feel that something is amiss, go on reading, for you may find something of value.
It is to the second group – the poor – that this section hopes to be of most service. You are most dear to this author’s heart. It is his hope that this talk about money would be of benefit to all but mostly to you. When he was learning the ropes of the trade of financial counseling, he often heard his mentor telling his clients they needed two things to be wealthy, “time and discipline.”
From the outset, let the author point out that it would be the 
height of plagiarism if he attributes only to himself everything that he’s going to talk about here. As John Salisbury said, “We are like dwarfs sitting on the shoulders of giants. We see more, and things that are more distant than they did, not because our sight is superior or because we are taller than they, but because they raise us up, and by their great stature add to ours.”
In the next issues, we will delve more deeply into the meaning of time and discipline in the context of getting wealthy. Meanwhile, stop thinking poor or feeling miserable or feeling broke. Instead, be thankful. Why? We will talk about this, too and many more.
We would like to make this conversational, so please don’t hesitate to add your comments below. We do learn from everyone. Personally, the author learns best from conversing with others. The idea of this wonderful newsletter actually began over a cup of coffee one morning in Toronto, not too long ago. We wish we could talk about money and other things over a fresh cup of coffee someday. See you on the next issue.
