Extracted from the website of Buddhist Vajrayana Charity Funds Association and translated (富與
福氣) into English:

Wealth and Good Fortune

Rinpoche gave this discourse in March 1992
Uploaded to website on 16th November 2014 (after about 22 years)
Introduction
Small richness from thrift, great richness by the day.
Main Speech
－	When it comes to wealth, it is very closely related to an individual’s character. There are people who are stingy and mean by birth, and others who are forthright and like to spend money in an extravagant manner; there are people who treat money as their life, whilst there are also those who treat money as dirt.
－	When dealing with any matter, some people find that the most important thing is to firstly assess whether there are any personal benefits (as the saying goes: ‘Jetso’). Whereas, there are those who strongly focus on interests and meaningfulness, and any benefits to be only secondary.
－	Some people gain riches and wealth by being actively involved in life. Other people do not go home when they have money, and are only willing to return home when they have finally spent it all; hence, in the end, they are still poor.
－	Therefore, whether one is rich or poor can be, more or less, linked to one’s individual character, mentality, personal style, attitude in handling affairs and so on, even related to close relationship.
－	Destiny is in one’s own hand, if one diligently strives for it, one would naturally have fortune. Not only would one live comfortably, one would also have fame and wealth.
－	This so-called good fortune includes one’s wife, wealth, son, official-emolument, and is defective if any one of the four is missing.
－	Wealth and official-emolument may be created through diligence, but would still collaborate with some luck; whereas, the wife and son are beyond a person’s physical control.
－	Someone may be extremely wealthy, but have no heir; someone may have many girlfriends, but not a single ‘lifetime’ companion. The sun rises in the morning and falls at dusk. Although it is impossible to stop the sun from setting, one can cherish the sunlight and appreciate the moment. When there is sunshine, one should work hard to grasp the time, work diligently and strive forward, try to achieve success, and hope will one day appear in front of one's eyes, as the saying goes: “There is hope tomorrow”.
－	As per the law of nature, once one manages to achieve a little success, one loudly shouts “I conquered fate”. Everyone knows that fortune-tellers can predict your future and achievements by just looking at your eight characters of birthday. In fact, one has long been typeset as life is pre-determined. However, how can one explain the causes of failure later on? This is because worldly affairs and human life are ultimately impermanent. Present success does not guarantee that you will not lose everything in the future. One must clearly understand that Buddhism talks about ‘impermanence’. With this concept, one becomes optimistic and not stubborn, will know how to appreciate all that is in front of our eyes, practise more good deeds and not do evil. One will gradually have self-confidence and will never be complacent. One understands that one is inadequate in many aspects of life and one’s knowledge is very limited; there are really still many more things that one needs to go to learn and know.
Conclusion
－	Whether small wealth/big wealth, one must spend money wisely (To become rich through financial management which is also one aspect of learning in life.)
－	Worldly affairs are impermanent.
－	Life is impermanent.
－	Good fortune may not have any true meaning to patients with mental illness as they are puzzled with the concept of good fortune, and are always living in delusion, to the extent of existing in a state of completely self-deception. From their perspective, it is possible that there is actually no significance in the acknowledgement of good fortune, where everything is only a blur, with no difference to being a walking corpse. What is the meaning of such an existence?!
－	Those, who can cherish everything that is present, grasp every opportunity encountered, and appreciate the people and affairs around them, are really people who have good fortune (blessed people).