Money is a tool of exchange, which can’t exist unless there are goods produced and men able to produce them. Money is the material shape of the principle that men who wish to deal with one another must deal by trade and give value for value. Money is not the tool of the moochers, who claim your product by tears, or of the looters, who take it from you by force. Money is made possible only by the men who produce!
Wealth is the product of man’s capacity to think. To trade by means of money is the code of the men of good will. Money rests on the axiom that every man is the owner of his mind and his effort. Money allows no power to prescribe the value of your effort except the voluntary choice of the man who is willing to trade you his effort in return. Money permits you to obtain for your goods and your labor that which they are worth to the men who buy them, but no more. Money permits no deals except those to mutual benefit by the unforced judgement of the traders. Money demands of you the recognition that men must work for their own benefit, not for their own injury, for their gain, not their loss. That the common bond among men is not the exchange of suffering, but the exchange of goods.
Money demands that you sell, not your weakness to men’s stupidity, but your talent to their reason; It demands that you buy, not the saddest they offer, but the best that your money can find. And when men live by trade - with reason, not force, as their final arbiter - it is the best product that wins, the best performance, the man of the best judgment and highest ability - and the degree of a man’s productiveness is the degree of his reward. This is the code of existence whose tool and symbol is money.
Let me give you a tip on a clue to men’s character: the man who damns money has obtained it dishonourably; the man who respects it has earned it.
But money demands of you the highest virtues, if you wish to make it or keep it. Men who have no courage, pride or self-esteem, men who have no moral sense of their right to their money and are not willing to defend it as they defend their life, men who apologise for being rich - will not remain rich for long.
To love money is to know and love the fact that money is the creation of the best power within you, and your passkey to trade your effort for the effort of the best among men. The lovers of money are willing to work for it. They know they are able to deserve it.