Cheshbon Ha'Nefesh #8: Frugality

Cheshbon Ha'Nefesh #8: Frugality - R. Mendel of Satanov discusses money and how we use it, including the temptations to overspend either on ourselves, or for tzedakah, and the consequences.

Merriam-Webster:

Frugal (adj.) - characterized by or reflecting economy in the use of resources

R. Mendel of Satanov:

"Be careful with your finances, so that you do not pay even one unnecessary penny."

Midah #8 focuses on the thoughtful and wise use of money
Let's look at a couple of classic sources (one of which R. Mendel refers to in this chapter)

משנה אבות ד׳:א׳

(א) בֶּן זוֹמָא אוֹמֵר, אֵיזֶהוּ חָכָם, הַלּוֹמֵד מִכָּל אָדָם, שֶׁנֶּאֱמַר (תהלים קיט) מִכָּל מְלַמְּדַי הִשְׂכַּלְתִּי כִּי עֵדְוֹתֶיךָ שִׂיחָה לִּי. אֵיזֶהוּ גִבּוֹר, הַכּוֹבֵשׁ אֶת יִצְרוֹ, שֶׁנֶּאֱמַר (משלי טז) טוֹב אֶרֶךְ אַפַּיִם מִגִּבּוֹר וּמשֵׁל בְּרוּחוֹ מִלֹּכֵד עִיר. אֵיזֶהוּ עָשִׁיר, הַשָּׂמֵחַ בְּחֶלְקוֹ, שֶׁנֶּאֱמַר (תהלים קכח) יְגִיעַ כַּפֶּיךָ כִּי תֹאכֵל אַשְׁרֶיךָ וְטוֹב לָךְ. אַשְׁרֶיךָ, בָּעוֹלָם הַזֶּה. וְטוֹב לָךְ, לָעוֹלָם הַבָּא. אֵיזֶהוּ מְכֻבָּד, הַמְכַבֵּד אֶת הַבְּרִיּוֹת, שֶׁנֶּאֱמַר (שמואל א ב) כִּי מְכַבְּדַי אֲכַבֵּד וּבֹזַי יֵקָלּוּ:

Pirkei Avot 4:1

(1) Ben Zoma said: Who is wise? He who learns from every man, as it is said: “From all who taught me have I gained understanding” (Psalms 119:99). Who is mighty? He who subdues his [evil] inclination, as it is said: “He that is slow to anger is better than the mighty; and he that rules his spirit than he that takes a city” (Proverbs 16:32). Who is rich? He who rejoices in his lot, as it is said: “You shall enjoy the fruit of your labors, you shall be happy and you shall prosper” (Psalms 128:2) “You shall be happy” in this world, “and you shall prosper” in the world to come. Who is he that is honored? He who honors his fellow human beings as it is said: “For I honor those that honor Me, but those who spurn Me shall be dishonored” (I Samuel 2:30).

משנה אבות ה׳:י׳

(י) אַרְבַּע מִדּוֹת בָּאָדָם. הָאוֹמֵר שֶׁלִּי שֶׁלִּי וְשֶׁלְּךָ שֶׁלָּךְ, זוֹ מִדָּה בֵינוֹנִית. וְיֵשׁ אוֹמְרִים, זוֹ מִדַּת סְדוֹם. שֶׁלִּי שֶׁלְּךָ וְשֶׁלְּךָ שֶׁלִּי, עַם הָאָרֶץ. שֶׁלִּי שֶׁלְּךָ וְשֶׁלְּךָ שֶׁלָּךְ, חָסִיד. שֶׁלִּי שֶׁלִּי וְשֶׁלְּךָ שֶׁלִּי, רָשָׁע:

Pirkei Avot 5:10

(10) There are four types of character in human beings: One that says: “mine is mine, and yours is yours”: this is a commonplace type; and some say this is a sodom-type of character. [One that says:] “mine is yours and yours is mine”: is an unlearned person (am haaretz); [One that says:] “mine is yours and yours is yours” is a pious person. [One that says:] “mine is mine, and yours is mine” is a wicked person.

The spectrum of 'frugality':

Keeping everything/miserliness --- some for self/family & some for others/causes/tzedakah --- more giving away than keeping

"Among many people, the common 'wisdom' is a tapestry of lies, flattery, hypocrisy, deception, evil speech and frivolity...[In other words, the response to 'Who is wise?' is] the one who knows how to benefit from injury to others...And [the answer to 'Who is honored?' is...] the one who can spend one's own and other's money and become proud (arrogant?) in the shame to others.
...These are the ways of the 'honored' who follow daily habits of buying all types of clothing, jewelry, and making tzedakah payments in ways that shame others who cannot afford any of these things and add to their own personal pride...[and these people] make more and more purchases (payments) of this kind in order to [prevent a situation whereby] others become aware of their [real] lowliness...this sickness is contagious like a virus...and anyone who cannot stand up against the haughtiness of these people will be dragged after them against their will, and they will waste their money quickly and end up in poverty themselves...

What is the 'condition' R. Mendel is concerned about here?
What is the reason some people may behave the way he describes them?
What factors might make these issues easier or more difficult in the 21st century?

"...there is an idea among people to give up the present for a better future...the true sages give up all enjoyments of this world in favor of eternal life after death..."

This goes against another school of traditional thought that we are held accountable in the afterlife for the legitimate enjoyments of the world we did not take advantage of

קהלת ב׳:י׳-י״א

(י) וְכֹל֙ אֲשֶׁ֣ר שָֽׁאֲל֣וּ עֵינַ֔י לֹ֥א אָצַ֖לְתִּי מֵהֶ֑ם לֹֽא־מָנַ֨עְתִּי אֶת־לִבִּ֜י מִכׇּל־שִׂמְחָ֗ה כִּֽי־לִבִּ֤י שָׂמֵ֙חַ֙ מִכׇּל־עֲמָלִ֔י וְזֶֽה־הָיָ֥ה חֶלְקִ֖י מִכׇּל־עֲמָלִֽי׃ (יא) וּפָנִ֣יתִֽי אֲנִ֗י בְּכׇל־מַעֲשַׂי֙ שֶֽׁעָשׂ֣וּ יָדַ֔י וּבֶֽעָמָ֖ל שֶׁעָמַ֣לְתִּי לַעֲשׂ֑וֹת וְהִנֵּ֨ה הַכֹּ֥ל הֶ֙בֶל֙ וּרְע֣וּת ר֔וּחַ וְאֵ֥ין יִתְר֖וֹן תַּ֥חַת הַשָּֽׁמֶשׁ׃

Ecclesiastes 2:10-11

(10) I withheld from my eyes nothing they asked for, and denied myself no enjoyment; rather, I got enjoyment out of all my wealth. And that was all I got out of my wealth. (11) Then my thoughts turned to all the fortune my hands had built up, to the wealth I had acquired and won—and oh, it was all futile and pursuit of wind; there was no real value under the sun!

קהלת ג׳:י״ב-י״ג

(יב) יָדַ֕עְתִּי כִּ֛י אֵ֥ין ט֖וֹב בָּ֑ם כִּ֣י אִם־לִשְׂמ֔וֹחַ וְלַעֲשׂ֥וֹת ט֖וֹב בְּחַיָּֽיו׃ (יג) וְגַ֤ם כׇּל־הָאָדָם֙ שֶׁיֹּאכַ֣ל וְשָׁתָ֔ה וְרָאָ֥ה ט֖וֹב בְּכׇל־עֲמָל֑וֹ מַתַּ֥ת אֱלֹקִ֖ים הִֽיא׃

Ecclesiastes 3:12-13

(12) Thus I realized that the only worthwhile thing there is for them is to enjoy themselves and do what is good in their lifetime; (13) also, that whenever a man does eat and drink and get enjoyment out of all his wealth, it is a gift of God.

Time for discussion:

What are some lessons we've learned about wise use of money both for ourselves and the way we hope to benefit others (tzedakah)?
Have our perspectives on these issues changed over time?
What types of pressures might impact our decisions in these areas?

Neil Tow

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