The USA government shutdown hurt many people, as they live from paycheck to paycheck. We must try to save at least 10 percent of our income. Now imagine giving an additional 10 percent to charity. It is hard. The 10 percent to charity does not have to be in the form of money, it could be your time, well wishes, positive attitude, or even just a smile. Even if you are unable to help, just by not hurting others is equivalent to your 10 percent. We are supposed to save for a rainy day, and this shows how many of us yield to temptations. This world is created to take all our earnings. We commit our future earnings to all the loans we take. Now, how many have really saved the real wealth. Temptations stop us from the wealth of wealths. Willpower can make you save. See your income and spend 10 percent less, no matter what temptations come. Save 10 percent of your precious time in self-reflection, service, building relationship with the one who gave you these 24 hours. Then, even if the government shuts down, you are not starving. When the good fortunes of your life slow down, you will have enough savings from within to be able to rejoice in all that comes. — Satish Daryanani

Shoveling pennies