Taken from : http://justbegood.net/Blessings08Wealth01.htm
1. Material Wealth and Progress
Four qualities that create material wealth and progress
By whatever means one engages in to earn a living, he or she should be hardworking and not lazy. He or she should understand what needs to be done, learn how to do it properly, do it well, and also delegate work to others where appropriate.
Any wealth that has been legally and rightfully accumulated should be looked after properly. Assets should be protected from fraud or misappropriation and be well managed to avoid unnecessary taxation or improper confiscation by the state. Possessions should be well protected from being stolen or destroyed. Property should not be allowed to be squandered away by irresponsible family members.
One should associate with the right kind of friends. It does not matter whether they are young or old as long as they are virtuous, charitable and have wisdom and spirituality. In this way, he or she will be positively influenced and thus live in the right way.
One should be aware of one’s income and expenses and live within one’s means. One should be neither extravagant nor miserly, and ensure that one’s income will be more than one’s expenses and not the other way round. Anyone who lives beyond their means will have many problems and soon go to ruin. At the other extreme, a miser who hoards his or her wealth will live an unhappy life and come to a wretched end.
Four factors leading to the loss of material wealth and progress
Debauchery and promiscuity
Frequent drinking and intoxication
Addiction to gambling
Associating with bad company
Four factors leading to the gain of material wealth and progress
Abstinence from debauchery and promiscuity
Abstinence from drinking and intoxication
Abstinence from gambling
Associating with good company
Imagine a great water tank with four inlets and four outlets. The four inlets are the four factors leading to gain, and the four outlets are the four factors leading to loss.
If the inlets are kept open and the outlets kept closed, the water supply will not decrease, even if there is no rain.
For the same great water tank, if the inlets are kept open and the outlets kept closed, if there is rain the water supply will surely increase.
Therefore, always avoid the four factors of loss, and always abide by the four factors of gain.