Imagine your physical economy is 20% richer than your spiritual economy. Eventually the physical economy will converge on the spiritual economy. The wider the delta, the stronger the pressure to converge.
What about the meantime? In fact, the physical economy won't converge on losing the extra 20%. The delta incurs a karmic cost. The spiritual reality will continually decay as long as physical reality is not in alignment with it. The economy will have to converge on 95%, 90%, 80%. Only after paying the karmic toll will the spiritual economy rebound and allow the physical economy to reach 100%.
Czarist Russia incurred a toll. They were richer than they had a right to be. Hence, Russia suffered the USSR years.
Net worth is genetic. You can only rearrange the worth. More money or more health. More wisdom or more money. More beauty or more strength. You get richer as you get older because youth is wealth and older folk have spare wealth cap to allocate to money.
You can also trade future wealth for present wealth. The rates are never worthwhile, but you can.
If your physical economy spends ten years 20% above its spiritual equilibrium, it will have to spend forty years 10% below. Or something in that ballpark.
The more someone desperately strives for money, the poorer they end up, ultimately. They manage to push themselves above the spiritual mean, and it costs them and costs them and costs them.
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