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Nov. 19, 2009
Binyamin L. Jolkovsky: Please Listen to this Godcast (5 minutes)
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Nov. 18, 2009
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JWisdom.com: The (Jewish) Dating Game with Rabbi Lawrence Hajioff (8 minutes)
Nov. 17, 2009
Steven Emerson: How Does the 4th Amendment Impact Terror Finance Investigations?
JWisdom.com: If Frank Sinatra married Edith Piaf with Rabbi Y.Y. Rubinstein (2 minutes) Life lessons from what would be regarded as the most inappropriate lyrics ever sung
Nov. 16, 2009
The Jewish Ethicist by Rabbi Dr. Asher Meir : When borrowing is stealing
JWisdom.com: Deconstructing faith with Rabbi Warren Goldstein (9 minutes)
Nov. 13, 2009
JWisdom.com Sarah's subjective reality with Rabbi Sroy Levitansky ( 6 minutes)
Caroline B. Glick: Obama's failure, Netanyahu's opportunity
Nov. 12, 2009
The Kosher Gourmet By Marialisa Calta : A sweet sweet potato treat
JWisdom.com Does God get tired? with Rabbi Harvey Belovski ( 5 minutes)
Nov. 11, 2009
Rabbi Avi Shafran: Jews and money: When anti-Semitism isn't
JWisdom.com Marriages are not made in Heaven with Rabbi Lawrence Hajioff (VERY fast 15 minutes)
Nov. 10, 2009
Michael Doyle: Author of book exposing CAIR ordered to remove supporting documents from Web
JWisdom.com If the creation so loudly shouts the existence of the Creator, why aren't more people believers? with Rabbi Naftali Brawer (9 minutes)
Nov. 9, 2009
Mark Steyn: Shooter exposes hole in U.S. terror strategy
JWisdom.com It's never too late to have a happy childhood with Sarah Chana Radcliffe (5 minutes)
Nov. 6, 2009
Rabbi Berel Wein: Choosing to hear
JWisdom.com Zero to 1/60th: How to Empower An Hour with Gavriel Aryeh Sande (7 minutes)
Caroline B. Glick The mullahs' big week
Suzanne Fields A Fallen Wall for Fallen Man
Nov. 5, 2009
The Kosher Gourmet: Three scrumptious -- but simple -- butternut squash dishes
JWisdom.com Hidden Hints: Unlocking Faith & Prayer with Rabbi Jay Yaacov Schwartz (10 minutes)
Nov. 4, 2009
Tom Hamburger and Kim Geiger: Should prayers be covered?
JWisdom.com When God played peacemaker With Rabbi Sroy Levitansky (5 minutes)
Nov. 3, 2009
Martin Peretz: Beware, Barack. Beware, Rahm. Beware, Axelrod
JWisdom.com Are you are closet idolater? With Sara Yoheved Rigler (10 minutes)
Nov. 2, 2009
Paul Greenberg: The Holocaust is now on Facebook
JWisdom.com Abraham's Strange Change With Rabbi Yitzchok Fingerer (5 minutes)
Oct. 29, 2003
Mortimer B. Zuckerman: Graffiti On History's Walls (MUST-READ!)

Jewish World Review March 2, 2009 / 6 Adar 5769

Funds and fundamentals

By Rabbi Dr. Asher Meir


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http://www.JewishWorldReview.com | Q. I'd like to give charity, but I'm afraid I might end up in need myself. Does this show a lack of faith in the Divine's providence?


A. Your thinking seems to go something like this: Normally, even if I have enough for ongoing needs, I would want to accumulate some reserves for unforeseen needs. If G-d commands me to give charity with my spare money instead, He must be promising that misfortune will not strike. So your worries about what setback the future may bring are compounded by your concern that maybe your faith is not whole.


There are two answers to your question. The first, which we will discuss this week, is that Jewish law acknowledges that setting some money aside for unexpected needs, within measure, can also be considered an essential expense. (Next week we will give an additional approach.) Here is an important source for this rule:


The Shulchan Aruch (authoritative Code of Jewish law) states that eminent Torah scholars are exempt from many communal levies. Even if the Torah scholar has to work for a living and can't devote all his time to study, he is considered to be devoting all his free time to learning as long as he works only "enough for his livelihood, and not in order to enrich himself." (1)


The highly authoritative commentary of Rabbi Shabsai Rapaport states that "enough for his livelihood" includes putting some money aside for emergencies. "It is obvious that various mishaps can occur suddenly to a person, such as illness and others, which will require him to make large outlays, and there is no set limit to these."


Of course this approach can be taken too far, and no person would give charity. The Talmud also tells us:


Rabbi Eliezer the Great says: Anyone who has bread in his basket and asks, "What will I eat tomorrow?", that person is of small faith. (2)


However, putting aside a certain amount for predictable emergencies (as Rabbi Rapaport explains) does not indicate a lack of faith but is rather part of our everyday responsibility to provide for household needs.


The great recent sage Rabbi Moshe Feinstein was asked a similar question regarding insurance. Someone asked him if buying insurance didn't display a lack of faith in G-d's providence. Rabbi Feinstein replied:


Insurance is just like any other matter of commerce and the like that one does for a livelihood for himself and his children . . . And if a person wants to leave for his old age or for a legacy, he needs G-d to provide him with whatever is the most effective way according to accepted ways in the same way he would provided for by a miracle, which he may not merit and also is not appropriate [since a person should strive to support himself by natural and not supernatural means.] And since G-d gave us the wisdom in recent generations to provide us with the insurance business in the world . . . this is a good and appropriate thing even for good G-d-fearing people who trust only in G-d, for it is He Who gave us the thought to provide for ourselves, and buying insurance is also the counsel of G-d, to buy insurance and to trust in G-d that he will be able to continue to pay the premium. (3)


Your desire to put a little money aside for possible urgent needs is perfectly legitimate. Trust in G-d's providence doesn't mean that we don't need to earn a living or put aside money for future needs; it means that we trust in Him to give us the ability to do so. However, we shouldn't be save up money for mere speculative future needs if this prevents comes at the expense of giving a suitable amount of charity for quite urgent needs of others.


SOURCES: (1) Shulchan Aruch, Yoreh Dean 253:2 (2) Babylonian Talmud, Sota 48b. (3) Responsa Igros Moshe, Orach Chaim II:111

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JWR contributor Rabbi Dr. Asher Meir, formerly of the Council of Economic Advisers in the Reagan administration, is Research Director of the Business Ethics Center of Jerusalem, Jerusalem College of Technology. To comment or pose a question, please click here.

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