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> It is very important to earn money and save money, but saving money is more important than earning money.  A person who specializes in the art of accumulating wealth never outperforms in the future and is living a normal life even in the most difficult times.  Conversely, a person who spends an unaccounted amount of money is called unintelligent.  Such a person keeps on rubbing hands in the hour of trouble.  > To earn money one has to take risks and one who faces challenges in life is always successful.  So take the risk, don't panic.  Whatever the profession, risk plays a greater role in success.  > Lakshmi is considered to be fickle.  Therefore, money should be used according to the right place and right time.  It should be used as a means.  Because a person who spends money for a wrong purpose or for a Ayashi is destroyed after a time. > According to Chanakya, if a person has to take the path of wrongdoing for money or t...