THE MONEY CODE.

BECOME A MILLIONAIRE
WITH THE ANCIENT
JEWISH CODE

In its author’s words, the Money Code that Jewish knew for
centuries is found in the books containing history’s greatest
wisdom: Jewish religious texts. Although some popular
religious texts such as the New Testament, Quran, Bhagavad
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 Gita, Tao Te Ching or Tibetan Book of the Dead (Bardo
Thodol) contain interesting insights and wisdom, it is the
Jewish religious texts such as the Old Testament [Tanakh]
that contains valuable information on acquiring Wealth.

Even if the contents discussed powerfully delve into Judaism,

the book is written for non-Jews and non-religious people:
“The reader does not need to become a Jew or
convert to their religion, Judaism, to become
wealthy“.

Author HW Charles believes that your financial success

depends upon the two key pillars:

1. the wisdom you learn from these Jewish books and

2. your will to change your way of doing things and take action

The author reports that the Talmud decodes the Money Code
in the Old Testament (Tanakh). The Talmud explains the
secret meanings behind the words of Hebrew scriptures and
other Jewish religious texts. Jews refer to the first five books
of the Tanakh (the Old Testament) as the Torah.

The book highlights how religion influences a person’s

success and finances “because it shapes values and
priorities, contributes to the competencies from which
action is constructed, and may provide important social
contacts”. As such, religion is an important factor in wealth
accumulation. Quoting research on several faiths by Professor
Lisa Keister (Faith and Money: How Religion Contributes to
Wealth and Poverty), he reports that Wealth is highest among
Jews, followed by mainline protestants and Roman Catholics.
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 Conservative protestants were the least wealthy and
successful.

The author concludes that being raised Jewish and practicing

Judaism leads to wealth accumulation. He, therefore, extracts
Seven key MONEY CODES from Jewish religious books. Then,
he invites you to study and execute them to obtain Wealth.

Table of Contents
THE MONEY CODE NUMBER 1: WISDOM
THE MONEY CODE 2: TRADITIONS [MINDSET]
THE MONEY CODE NUMBER 3: WORK
THE MONEY CODE NUMBER 4: INVESTING
THE MONEY CODE NUMBER 5: THE LAW
THE MONEY CODE NUMBER 6: TITHE
THE MONEY CODE NUMBER 7: CHARITY
MY COMMENTS
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THE MONEY CODE NUMBER 1: WISDOM

Wisdom is defined as having experience and discerning or
judging what is true, right, or lasting. It is the practical
application of knowledge. King Solomon is one of the
central figures in Jewish history; the Tanaka (old testament)
credits Solomon as the First Temple builder in Jerusalem. He
was the wisest and richest man of his time because he desired
wisdom more than anything else. God said: “I am giving you a
wise and understanding heart so that there has never been
anyone like you, nor will there ever again be anyone like you. I
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 am also giving you what you did not ask for, riches and honor
greater than any other king throughout your life”. This is
because with great wisdom comes great Wealth and success.
As such, the author suggests following Solomon’s footsteps
and praying for wisdom and an understanding heart. Wealth
and success will follow. He suggests using affirmative or
scientific prayer, focusing on a positive outcome for non-
religious.

Ultimately, rather than pursuing Wealth, pursue wisdom:

“don’t exhaust yourself in pursuit of wealth; be smart

enough to desist. If you make your eyes rush at it, it’s no
longer there! For wealth will surely grow wings, like an
eagle flying off to the sky”.

Humility is regarded as a prerequisite to increasing wisdom:

“First comes pride, then disgrace; but with the humble is
wisdom”. “Poverty and shame are for him who won’t be
taught, but he who heeds reproof will be honored”.

To achieve wisdom is necessary to study:

Jewish philosopher Samuel Ibn Tibbon said: “make your

books your companions”;
American sales expert Zig Ziglar said: “Rich people have
small TVs and big libraries, and poor people have small
libraries and big TVs”.

The Talmud is a source of great wisdom among all books. It

has also become a handbook for doing business and seeking
fortunes. The Talmud explains: “If one takes his studies by
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 heaps at a time, he will benefit but little, but if one gathers
little by little, he will gain much”.

The author then covers the subject of time, saying that many
Jews understand that time is more valuable than money:
you can always get more money, but you can never recover
time. Time is the most precious commodity. As such, most
Jews spend their time acquiring wisdom, Wealth and
contributing to society.

THE MONEY CODE 2:

TRADITIONS [MINDSET]
The Tanakh portrays the first Jews as very wealthy, and this
Wealth was considered a clear sign of divine favor.
Traditionally, Jewish families encourage the pursuit of wealth
accumulation, high-income careers, and investing. Jew
families value wealth and success. While many ethnic and
religious groups mainly focus on the afterlife and downplay
this world, Jews view Wealth and success as a blessing
and gift from God. The Tanakh says, “Everyone to whom
God has given riches and wealth, along with the power to
enjoy it, so that he takes his allotted portion and finds pleasure
in his work, this is a gift of God”. The Tanakh says: “The Lord
makes some people poor and others rich; he brings some
down and lifts others”.

The author further quotes Professor Lisa Keister’s study on

religion’s influence on Wealth, mentioning that conservative
protestants are at the low end of money accumulation. The
study speculates this could be due to their low education
:
 achievement and literal Bible interpretation, concluding that
money accumulation is not very important or even preaching
poverty as a virtue. The author states that many Christians
who view poverty as virtuous base their belief on the idea that
Jesus lacked many possessions. Yet, Jesus had money: Judas
managed the money for Jesus. The author states that
many Christians misunderstand that the problem is
not money but the attachment to possessions and
dependence on money rather than God. He reminds us
that many schools of Greek philosophy believed that all
physical matter was flawed. Much Greek thinking was
incorporated into Christian doctrine; thus, he states that
poverty crept into Christian denominations. People searched
for scriptures to support that view by taking verses out of
context. The author states that money is not the root of all evil:
it is a neutral substance that can be used for good or bad,
depending on who uses it and how it is used.

For the author, poverty is the real problem: “poverty

causes transgressions“ to find means to survive. He then
quotes a popular verse of the Bible: “You can never serve God
and Mammon”. He states that people serve mammon
when they work very hard for money their whole life
(slaves to money) rather than making money working hard.
The key is to work hard to create abundant Wealth to have
time to study and develop one’s full potential. Quoting Rabbi
Elazar ben Azariah:

where there is no money, there is no learning.

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 The Rabbi explains that only when stomachs are full, they can
study, grow spiritually, and do good work.

Unlike Christianity, in which some view poverty as virtuous

and desirable, Jews have generally viewed poverty
negatively. Jewish texts have portrayed poverty as an
unjustifiable burden and pointless suffering. Jewish people
view Wealth as a blessing and look down on poverty because it
cannot help anyone.

THE MONEY CODE NUMBER 3: WORK

The Talmud covers what a person should do to become rich:
“Let him engage much in business and deal honestly”. The
Tanakh states: “The diligent will rule, while the lazy will be put
to forced labor”. The author makes his point by saying that
most Jews work for themselves and hire employees instead of
employees. He then uses the words of German politician
Julius Streicher: “It is an open secret that Jews do not work,
but rather let others work for them”. Jews believe that
people are creators, not consumers. Work requires goals
and plans to achieve them with perseverance. The Tanakh
says: “In the morning, sow your seed; and don’t slack off until
evening; for you don’t know which sowing will do well”.
Discussing work, the author also refers to the limits of the
“law of attraction” and uses these verses of the Tanakh to
disregard it: “In all work there is profit, but mere talk
produces only poverty”. Only through work can it be possible
to produce results that create Wealth: “Idle hands bring
poverty; diligent hands bring wealth”.
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 THE MONEY CODE NUMBER 4:
INVESTING
The Talmud teaches that “one’s money should always be ready
to hand,” meaning that we should always have money ready
for an investment. He states that 33% of Jews invest in
financial assets, compared to 7 % of mainline protestants, 4 %
of Catholics, and 0% of conservative protestants. Quoting the
banker Edmond Safra, “if you don’t sow, how will you
harvest.” The author states that during the journey towards
Wealth, a person may have to hold back on spending for
some time and save as much as possible. The Tanakh
states, “Those who love pleasure become poor; those who love
wine and luxury will never be rich”. The author promotes
working hard, saving, and accumulating to invest in financial
assets and ultimately obtain the desired return to support
one’s lifestyle or future needs. He expresses concerns for
the current consumerist culture and quotes the Tanakh:
“The wise have wealth and luxury, but fools spend whatever
they get.”

The Book of Law also states that “time is money, but

also money is time, for every luxury costs so many precious
hours of life.” Hold back on purchasing all you desire until you
can genuinely afford it. Unwise borrowing puts you in a
position of servitude.

The author promotes investing for the future generation,

quoting the following story from the Talmud: a sage spots a
man planting a carbot tree. The sage asked him how long it
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 would take for this tree to bear fruits. Seventy years replied the
man. The sage asked: are you so healthy a man that you expect
to live that long time and eat its fruit? The man answered: I
found a fruitful world because my ancestors planted
it for me. Likewise, I am planting for my children.

As such, saving can be seen as planting seeds: it takes

time to see the growth, but it will provide a rich harvest.

The author extracts further tips on investing. He suggests

we educate ourselves and plan ahead before making
investments. The Tanakh says, “The thoughtless believeth
every word, but the prudent man looked well to his going”. As
such, never rush into an investment without prior research
and deliberation. On the other hand, don’t stop investing in
good opportunities: “he who keeps watching the wind will
never sow; he who keeps looking at the clouds will
never reap”. He also says to “divide your investments
among many places, for you do not know what risks
might lie ahead”. This is pure financial diversification.

THE MONEY CODE NUMBER 5: THE

LAW
Natural law, or the law of nature, is a system of law
determined by God. Law stands for order. The author quotes
the Iron Law of Human Destiny: what goes around comes
around, or the Law of Action and Reaction. He then
discusses the 7 universal laws given by God to Noah. These
laws are to be also followed by non-Jews if they are to
be blessed. On this topic, the author goes back to the concept
:
 of poverty: not much is expected of those who are in poverty
because they do not know about the Noahide Laws (against
idolatry, theft, murder, adultery, cruelty to animals,
blasphemy, etc.). The Tanakh says: “What can we expect
from the poor? They are ignorant. They don’t know the
ways of the Lord. They don’t understand God’s laws”. “poverty
and shame are for him who won’t be taught, but he who heeds
reproof will be honoured”. Non-Jews or non-religious people
will benefit from following these laws. Among the laws, there
are several warnings against dishonesty or greed. “Wealth
gotten by dishonesty shall be diminished, but he that gathered
incrementally shall have an increment”. The Tanakh says,
“Greedy people try to get rich quickly but don’t realise they are
headed for poverty”.

THE MONEY CODE NUMBER 6: TITHE

Tithe means one-tenth. Religious Jews give 1/10 of their
income to the poor. This practice is an ancient Jewish formula
for becoming wealthy. Abraham gave a tenth of everything.
The Talmud tells us, “Tithe so that you will become
rich“. Tithing is in itself a qualification for Wealth. It is
like a partnership with God in sustaining the
world. “Neither poverty nor wealth is due to the craft, but all
depends on merit”. Try to build your merit: the more you
gather, the more divine energy you attract, and the more
successful you will be.

THE MONEY CODE NUMBER 7:

CHARITY
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 The Talmud says, “Even a poor man who himself subsists on
charity should give charity. If he does that, [heaven] will not
again inflict poverty upon him”. An offering is anything given
beyond the tithe. The author quotes the Law of Cause and
Effect again, stating you must give before receiving. The
Tanakh says, “he who gives to the poor will lack nothing, but
he who hides his eyes will get curses in plenty“. In this final
chapter, the author quotes Anglican methodist clergyman
John Wesley to summarise it: “Earn as much as you can, save
as much as you can, invest as much as you can, give as much
as you can“.

MY COMMENTS
I decided to read and review the book “The Money Code”
out of curiosity while preparing the Article “Dress English,
Think Yiddish”. The book is not academic research; besides his
quotes from Jewish religious scriptures, the author
enthusiastically promotes his thesis by quoting Jews and non-
Jew authors and researchers to build his case.

Author HW Charles discusses several well-known financial

concepts among practitioners or financial enthusiasts. If these
subjects are new to the readers, they can provide great value
and promote the practice. If the concepts sound familiar or
largely acquired, they still provide a fascinating historical and
cultural context. Realising how similar principles were present
in texts dated thousands of years ago is fascinating.

I found it particularly interesting to read how poverty or

lack of prosperity is discussed in the book. We are far
:
 from some religious doctrines that nearly idealise poverty,
defend it and/or paternalistically suggest mitigating it. The
message is clear: it is necessary to escape poverty,
escape conditions of need, and avoid jobs that don’t
!

make us prosperous and don’t leave us quality time to

!
study, grow and become wiser. We can be thrifty and

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live below our means to save, invest, live a life based
on our values, and give back to society. That does not
# mean to be poor, but to avoid luxuries that we cannot afford to
create Wealth through acquired wisdom, correct mindset,
$
honest, smart work, financial investments, adherence to

%
religious and natural laws and charity.

Do you have a favourite Money Code number from the seven

listed in the article? Did you find inspiration, or are the
contents far from your current values?

For more book reviews, check out my list of Recommended

Books.

Until next time, keep it real, and Sweat Your Assets!

Have you enjoyed this article (#10)? Don’t miss upcoming

ones. Subscribe for free to my monthly newsletter here.

You can also access the Youtube (video & audio) version of this
Book Review.
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 Ana Budda on 23/08/24 at 9:50 pm

Agreed with all. According to the Lord God. Amen

Reply

Saleem on 23/08/15 at 6:28 am

Hi

Reply

Mr Tall on 23/08/11 at 3:43 am

Thanks alot…

Reply

Patrick Kapuot on 23/07/26 at 8:30 am

I find it interesting. Need more time to read, understand

and use holy spirit to guide your discernment in using
your blessing appropriately.

Reply

Jason Brenner on 23/04/20 at 10:19 pm

:
 Thanks for confirming my beliefs. I am grateful. You said
it all.

Reply

Suzume on 23/04/11 at 8:44 am

What a load of rubbish!

Reply

Annette Nambasa on 23/03/05 at 2:40 pm

It’s really interesting, thanx for sharing with us.

Reply

Sweat Your Assets on 23/03/05 at 5:42 pm

Dear Annette, thank you for your feedback. Much

appreciate. All the best with your financial journey.

Reply

Curtis Carpenter on 23/04/16 at 6:42 pm

No man is power except he who lacks knowledge.

Money makes money. In principle. Understanding

the nature and origin of wealth forms the basis for
attracting it. The law of accumulation summed into
ones efforts attracts wealth from ones actions.

Money is value always has been always will be.

:
 Bitcoin or bond…its still the same.

Reply

Sampson Kormla Atsunyo on 23/07/27 at 2:58 am

I am ready to learn and practise Jewish secrets to

wealth and abundance in order to become wealthy
and be a blessing to others

Reply

Josephine Abraham on 23/03/18 at 2:37 am

Thank you. I hope this will change my life

Reply

Annette Nambasa on 23/03/05 at 2:38 pm

It’s really interesting, thanx for sharing with us.lets try to

put what we have learnt into consideration.

Reply

Dilin pi on 23/02/22 at 12:15 pm

This is really life changing. I really wanted it. The

information will be implemented and shared among
other habitants

Reply
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 Sweat Your Assets on 23/02/22 at 9:28 pm

Glad you find value in it. Keep up with your goals

Dilin pi!

Reply

Nana Agyei on 23/02/07 at 11:03 am

Please can you help me get the hard copy of this book?

Reply

Sweat Your Assets on 23/02/08 at 2:30 pm

Hi Nana, based on your country, there are several

options to order the book. Either through online
bookstores (Amazon or others), or through your local
bookstore. If that takes too much time, I often rely on
e-books or Audiobooks that are easy to download on
your Kindle, Tablet or Computer. I hope that helps.

Reply

Natasa on 23/02/23 at 1:21 am

Thanks!

Reply

ehsan on 23/04/10 at 5:47 pm

hi
im ehsan from pakistan
:
 i need money help me
xxxxxxxxxxx

Reply

Obiri Mensah on 22/11/08 at 6:05 pm

Thank you very for the insight.

Reply

Sweat Your Assets on 22/12/02 at 11:26 am

thank you Obiri for your kind feedback. Regards.

Reply

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