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Ashrai
 
A Financial Crisis is a
Terrible Thing to Waste
 

Yom Kippur affords us the opportunity to think about all that we’ve gained, and all that we’ve lost since last year: Loved ones who have died, new babies who have been born; old relationships severed, new ones formed; our bodies getting older and weaker, our spirits finding the strength to pull us through.

There’s another type of accounting that all of us are doing this year.  Twelve months ago, when we last sat here, the economy had not yet fallen apart.

Al still had a job to go to each morning, and a steady pay check at the end of the week;

Bob and Cindy didn’t spend sleepless nights worrying if they could make their mortgage payments, or if their house would go into foreclosure; Debbie and Ed never thought they’d have to tell their son Freddy that he’d have to give up his dream of going to an Ivy-league college and settle on a state school; Gary and Heather hadn’t yet told their youngest girl Isabel, that they couldn’t afford the same kind of Bat Mitzvah party that they’d thrown for her older sister Jennifer; Ken and Lisa were still dreaming about a cruise to celebrate their 25th anniversary; Mark and Nancy had just joined the country club and were looking forward to playing golf or using the gym every single weekend; Oliver and Phyllis were still planning to make use of his pension fund to enable them to retire early and start travelling all over the world.

A year ago, there were still scores of family foundations and charitable institutions helping tens of thousands of people; there were a number of Day Schools still open which provided an intensive Jewish education, and more families who could afford tuition; there were numerous synagogues which didn’t have to lay off teachers and office staff and custodians, or ask the clergy to take pay cuts, or raise membership dues in order to keep the lights and air conditioning going.

And a year ago most people hadn’t heard of a guy named Bernie Madoff, and those who had thought he was a genius, and an incredibly benevolent man.

But a year has passed, and we’ve all suffered in one way or another from the worst economic crisis since the Great Depression.  No doubt many of our prayers this Yom Kippur are about money, and security.  Perhaps the prayer that resonates most is the one at the end of the Amidah, where we ask God to write us into the book of Hayim – Life, B’racha – Blessing, Shalom – Peace, and Parnasah Tova.  Parnasah is the Hebrew and Yiddish word for “sustenance”, “livelihood”, “job” or “money”. 

Another phrase in the Mahzor that may touch a nerve is “Hadesh Yameynu Ki-Kedem” – “Renew our days as of old” – or to use the less fancy English: “Please God – make it all like it was before!”  I remember watching TV on September 11, 2001 and thinking “Our lives will never be the same again!”  And yet, for most people, Life did resume as normal.  We pray that the past year has been just some temporary setback, and in the not too distant future, our financial security will once again return.

The Clinton White House understood that financial security was what mattered most to people.  “It’s the economy, stupid!” was their mantra.  The Obama White House is fond of another slogan: “A crisis is a terrible thing to waste!”  I’m praying – in addition to the prayer for Parnasah, that we also see this crisis as an opportunity: That we utilize the crash as a chance to stop and think about our lives.   That we take this occasion to do some soul searching about what our values are, and what they should be, about what’s really important in life – and what’s not.

A Hassidic story tells of a poor Jew in Poland, who worked for the local gentile nobleman.  Late one night, the Duke overheard the Jew praying to God: “Dear Lord, if only I had some land, I would become rich and be able to take care of my family, and do so many good things…”  Knowing human nature, and wanting to torment the Jew, the nobleman said: “Itzik – I will answer your prayers.  Tomorrow morning, come to my castle.  I will give you all the land that you can circle from sunrise till sunset.  The only requirement is that you must be back here at the castle when the sun goes down - or you will get nothing.”

Next morning, Itzik stood at the castle, with his wife and children.  As the sun rose, the Duke shouted: “Good Luck Itzik, and remember – be back by sunset!”  Itzik began to walk very fast.  “Be careful”, his wife called out.  “Pace yourself!”  Don’t put too much stress on your heart.”

“Stop worrying.  I’ll be fine!  I’ve got to go; I can’t waste any time.”

“Daddy, wait for us!”  His kids called out.  “Let us come with you!”

“No – stay with your mother.  I’ve got to go – I’ll see you later.”  And Yitzik was off.  He kept up a brisk pace, dreaming of all the land he would own by the end of the day, and of all the things he would be able to do when he was rich.

Mid morning, Itzik passed a friend who was stuck in the road, with a broken axle on his carriage.  “Itzik, thank God you’ve come by.  I can really use a hand here.”  “Sorry”’ Itzik said “I’m in a rush.  Can’t stop for even a minute.  But tomorrow I’ll be rich, and I’ll be available for you all day…”

At mid day, Itzik felt hungry.  But he couldn’t stop for lunch.  “I’ve got to cover more land.  I’ll have plenty of time to eat tomorrow.”

Itzik kept walking, encompassing more and more acres.  His legs ached and his breathing was heavy, and sweat was pouring down his face.  But he kept pushing on, realizing that at each step, he was acquiring another parcel of land.

Mid-afternoon, Itzik passed by the shul, and the gabbai called out: “Join us for Minha – you’re the 10th for a minyan.”  “Can’t help you” Itzik replied.  “I’m not able to stop today.  But any other time you need me, I’ll be there for you.” And off he went.

The sun began to set and Itzik pushed himself even harder to circle more land, and be back at set time.

“Tomorrow I’ll be rich, and have all the time in the world to spend with my family, and to do good deeds, and to help out my friends.  But now I have to keep pushing, and get more land.”  His mouth was dry, his heart was pounding, his legs were aching – but the hour was getting late and Itzik had to get back to the castle – so he began to run.

As the sun was setting, he saw the castle in the distance and pushed himself one last time – and then collapsed on the ground.

The Duke was waiting for Itzik.  He ordered a servant: “Measure out a plot of land – six feet long three feet wide, and six feet deep.  That’s all that the Jew will need now.”

       


For too many people, accumulation of wealth becomes their top priority – pushing everything else aside.  We’ve bought into the notion that being a success in life means being rich.  It’s what we value most, and it’s how we judge others – how we judge ourselves,

We’ve all heard, a thousand times, jokes about the Jewish mother who constantly bragged about “my son, the doctor.”  What was the reason for her pride?  That her child has chosen a noble profession?  That he was saving lives and alleviating suffering?  That he was among the select few who were smart enough to get into, and complete medical school?  Or, that back in the 1950’s and 60’s, when those jokes were current, a doctor was among the highest paid jobs.  Jewish mothers never spoke with pride about “my son, the fireman”, though they too save lives.  Jewish mothers today are more likely to take pride in “my son, the MBA”, or “my son, the hedge-fund manager” – not because of the good they might do, but because of how much money they might make.  If Jewish children choose to become teachers or social workers, do their parents somehow feel let down?  Why should being rich become the highest we aspire to?

When anti-Semites make comments, or jokes, or slurs about Jews and money, we are offended and insulted.  But is there some truth in their characterizations? What is it about Jews and money?

Some say that the answer is to be found in biology – that Jews have an innate gift of making money.  But that view comes from the same mindset that sees all Blacks as super athletes, all Irish as great poets, all Italians as great cooks.  Despite what anti-Semites think, we know there are many poor Jews.

Some think that it’s not our genes, but our religion.  Open up to the Bible and you’ll see passages where we are taught to be industrious and hard working.  Proverbs, chapter six advises us to imitate the ant, to study its ways and learn how to lay up stores in the summer and to gather our food at the harvest.  And the story of Joseph shows us a man who rises from slave and prisoner to become Pharaoh’s Economic Czar.  But we know that most Jews aren’t religious, and most haven’t read the Bible.

Some see the explanation in medieval history.  Jews were not permitted to own land and Christians were not permitted by the church to charge interest to other Christians for loans.  Jews became the default money lenders.  Thanks to Shakespeare, the fictional character of Shylock came to represent the Jew for many people, for many years.  But can you blame what happened in Europe 1,000 years ago for the way Jews today live their lives?

Some believe that sociology provides the answer.  As new immigrants, Jews struggled to survive and fit in, and the children of these immigrants were determined to succeed and achieve all that their parents never could.  And whether we want to believe it or not, we can learn a lot about ourselves by looking at our Asian and Indian neighbors, and the way they live their lives.

Whatever the explanation, Jews have developed a recipe for success:

Take a dream of a better life;

Add the ambition to make it come true;

Mix in devotion to education;

Bring a chip-on-the-shoulder fostered by discrimination and restriction;

Include a keen sensitivity to what’s happening in the world around;

And finish with a measure of creativity to discover or invent the next great trend.

Typical is the story of Marcus Goldman, who came to this country from Germany in 1848 at the age of 27.  He started out as a peddler with a horse and cart.  He then opened a store in Philadelphia.  He was very successful and moved to lower Manhattan in 1869, where he became a broker of IOU’s.  In 1882, he brought his son-in-law Samuel Sachs into the business, and in 1896 they joined the NY Stock Exchange, with the company eventually becoming the full-service investment bank we know today as Goldman Sachs.

Jews in America became successful pioneers in many different fields, including business, entertainment, fashion, cosmetics, real-estate, tax preparation, accounting, finance, journalism and media, medicine, and law.  And in our success, we helped to shape America in the 20th century, our influence way out of proportion to our actual numbers.

This success brought us, individually, and as a people, pride, self-respect, and a great sense of accomplishment.

Success also brings wealth and riches, and the ability to acquire anything that the heart desires.

Indulging all that our hearts desire can bring satisfaction and happiness and joy, but it can also lead to greed.

And greed can cause us to lose all perspective on what is right and what is wrong.

Five Rabbis from Deal and Brooklyn, who wear their Tzitzis out to constantly remind them of God’s law, lost all sense of right and wrong when they were tempted by the lure of easy money.  We are shocked and embarrassed when we see supposedly pious Jews handcuffed and taken away by the FBI for money laundering and other crimes.  But if such a fall could happen to them, could it happen to us?

Maybe it’s difficult to identify with Jews who don’t’ dress like we do… Can we identify with a Jew who does look like us, and hangs out in the same social circles, and who – until he went down about this time last year – was probably someone whose life style we envied and whose success we admired?  We’d like to think of Bernie Madoff as some kind of evil monster, a sociopath who would destroy his clients, his friends, his family, and even himself.  But even scarier than thinking that someone we’d trust with our life savings could betray us, is contemplating the possibility that we could become a Bernie Madoff.  Dangle in front of us the amount of money he had access to, and the level of esteem that people showered on him – and maybe we too would have sold out what we once held sacred.

Even if we haven’t committed any crimes, how many of us are guilty of having sold-out?  Of having given up the dreams we once had, of what we hoped to be?

Of having made compromises with our integrity, allowing ourselves to have done things to make a buck that, while not illegal, we’re not very proud of.

Of having sacrificed the quality of our lives, for the quantity of money we could make.

If this moment in our nation’s history, and this season of the Jewish year are perfect for re-evaluating what we believe and what we do, then we need to ask ourselves how Judaism would guide us on issues of money and wealth and riches.

In a wonderful book ‘Judaism: The Way of Sanctification’ Rabbi Byron Sherwin teaches that there are three ways of dealing with the world.  The first he calls “The Way of Exploitation”.  It’s the pagan approach to life.  The world is a jungle, and humans are no different than animals.  The law of the jungle is ‘Kill or be Killed’.  Our task in life is to grab whatever we can, and to satisfy our basic needs, making sure nothing gets in our way.  The world is here for us to exploit and use as we desire.  Money is the means to pleasure and happiness, and so whatever we have to do to get it, is fair game.

The second great philosophy came as a response to the first.  It is “The Way of Escape.”  It was Christianity’s response to the excesses of the Roman Empire.  This approach holds that the world is evil, and the goal is to avoid being polluted by it.  We strive to be like the angels – pure and uncontaminated, so that we can enter Heaven.  Money is the root of all evil; the less you have to do with it, the better.  Poverty is considered saintliness.

But between these two extremes, there is a third way – “The Way of Sanctification”, or Judaism.  Judaism believes that the world is neither good nor evil – it is pareve.  What counts is what we do with it.  And what we are taught to do is to sanctify it.  Judaism teaches us not to exploit the world, or to escape it, but to make it special, unique and holy.  Making money can be good – if we earn it in a proper way, and if we use what we’ve earned for worthwhile things.

Next week, during the festival of Sukkot, we read the Megilah of Kohelet, the Book of Ecclesiastes.  According to tradition, Kohelet was King Solomon, writing at the end of his life.  He looks back on all he has done, and passes on the wisdom he had learned.

Solomon came to the conclusion that running after riches is as futile as trying to catch the wind.  In the end, we are left disappointed, and with little to show for our efforts.  “He who loves money will never have enough of it, and he who loves wealth will never attain.”  This is not a Rabbi talking, but the richest man of his day.  “Been there, done that” he reminds us.  He doesn’t renounce money or the enjoyment of pleasure; Instead he tells us to always remember what’s truly important in life.  “Go, eat your bread in gladness, drink your wine in joy… Enjoy happiness with the one you love… And when all is said and done: Revere God, and observe His mitzvot.”

How significant that we read this message during Sukkot.  At the time of the year when Jews were surrounded by the riches of the harvest, tradition has us move out of our homes into a fragile booth.  We’re taught: Everything can be lost in a moment.  All that really matters are your family, and your friends, and the simple pleasures you share with them.

Three hundred years after Solomon, the prophet Jeremiah brought a similar message to the Jewish people.

“Let not the wise man glory in his wisdom; let not the strong man take pride in his strength; and let not the rich man brag about his riches; for God is only impressed by Hesed, and Mishpat and Tzedaka – by acts of kindness, and by doing what is right, and by helping those who are in need.

We live in a world in which being rich and famous have become the highest values.  We need to remember, on this most important day of the year, that Judaism teaches us that the highest values are being kind and doing good.

In the second century, Shimon ben Zoma asked a simple question: “Who is rich?”  The obvious answer would have been someone with a lot of money.  But Ben Zoma stops us in our tracks with a zen-like response: “Who is rich?  The one who is happy with what he has.”

We’ve come to believe that wealth automatically brings happiness.  It does not.  There are plenty of people with lots of money who are miserable.  Material things are necessary for a good life.  But they, by themselves, don’t insure happiness.  That can only come from what everyone already has.

Living in our community requires a good deal of money;

There is nothing wrong with making a lot of money, and nothing wrong in wanting and having material things that can bring us a measure of happiness.

The only problem is if this becomes all that we are, and all that we care about, if we think that real happiness is something we can buy.

This is a day on which we pour out our hearts in prayer to God.  What exactly should we pray for?

“Dear God”, we say at the end of the Amidah.  “Give us Life, and blessing, and peace, and Parnasah Tovah – sustenance”.

Rabbi Joseph Braver noted that only the last of the four values has the adjective Tovah – meaning ‘good’.  We don’t ask for a good life, for good blessings, for good peace.  But we do ask for good sustenance.  What does the extra word there mean?

We pray for Parnasah Tova – good sustenance.  Not just an adequate one but a good one.  In other words: May we have a job and make enough money to meet all our needs.

We pray for Parnasah Tova - good sustenance.  Not only regarding the amount we make, but the kind of work we do: May our jobs not be too difficult, or too stressful, or put us in the position to have to make moral compromises, or do things that are undignified, or wrong.

We pray for Parnasah Tovagood sustenance.  Not just a job for today, but one that will be there tomorrow, one that is secure, one that enables us to plan for the future.

But most importantly, we pray for Parnasah Tovagood sustenance – one that enables us to do good: to spend time with our families; to pursue worthwhile interests and hobbies; to do mitzvoth that make us more complete Jews, and better human beings.

       


To those who are out of a job – May God bless you with Parnasah Tova.

To those who have miserable or inadequate jobs – may God bless you with Parnasah Tova.

And to young people, who are beginning to dream about what they want to be when they grow up – May God bless you with Parnasah Tova.

Finally, I pray: In the coming year, may we all become rich.

But may we all understand,

That being rich has very little to do with money.



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