Why Investing With the Poor Beats Giving Tzedakah
Why Investing With the Poor Beats Giving Tzedakah
Part of Important Issues · 12:10
Explores the Rambam's advice to avoid irreligious neighborhoods, why a joint investment with a poor person outranks even lending, and the Dubno Maggid's parable of the dog.
Audio Transcript
ืืืืจ ืจืื ืืืจ ืจืื ืฉืืขืื ืื ืืงืืฉ. Rava said in the name of Rabbi Shimon ben Lakish: ืืืื ืืืืื ืืืชืจ ืื ืืขืืฉื ืฆืืงื. A person who lends somebody money is greater than if he gives him tzedakah. When you give a guy tzedakah, then he's embarrassed, but if you lend him money, you know, even rich people lend, borrow money, and then, but he's still you're putting him on his feet. ืืืืื ืืืืก ืืืชืจ ืืืืื. If you invest with somebody, with a poor man, you put in your money to an investment in his business, that's even greater. ืืืืจ ืจืื ืืืจ ืจืื ืฉืืขืื ืื ืืงืืฉ. Rava said in the name of Rabbi Shimon ben Lakish: ืื ืชืืืื ืืื ื ืืงื ืื ืืืจ ืื ืืฉ ืืื, ืืืจืื ืขื ืืชื ืื. So like this: if a talmid chacham, he's a talmid chacham, but he is ื ืืงื ืื ืืืจ ืื ืืฉ, he takes revenge and he's, you know, he's a very strict person. Nevertheless, take him around, take him as a gartel, in other words stay around him, you'll gain from him, because talmid chacham. But if he's an ืขื ืืืจืฅ, ืื ืขื ืืืจืฅ ืืื, ืืคืืื ืืกืื, ืื ืชืืืจ ืืฉืืื ืชื. Don't live in his neighborhood, so don't live around him. Because if he's an ืขื ืืืจืฅ, now ืขื ืืืจืฅ here, again, it's not like we nowadays say an ืขื ืืืจืฅ doesn't know how to learn. You could have a person who doesn't know how to learn, but is a big yerei shamayim. An ืขื ืืืจืฅ, ืขืื ืืืจืฅ in those days were people that were not careful with mitzvot. They were like ืคืจืื. Not ืคืจืื, they kept most of the thing, but certain things they didn't keep, ืืืืื ืืืืจื, they didn't keep ืืขืฉืจ ืฉื ื, they were very ืืืืื. Huh? Yeah, always even if he is a chasid, he behaves like a chasid, still, even if he's an ืขื ืืืจืฅ, but he behaves like a chasid, in other words it doesn't mean he doesn't know how to learn. Right. He's nice, he's a nice person and he and still, he's ืขืืฉื ืืกื. Still, stay far. So who's gonna, so who's gonna teach him? You run away from the ืขื ืืืจืฅ, who's gonna teach him? No, if you're gonna teach him, you have to stay there. That's what I mean. No, we're not talking about you teach him. You're just gonna live there not to teach him, then stay away. Like the
Rambam says. The Rambam says if you're in a neighborhood where there are no frum people, run away. Into the desert. Even if it means moving to the desert, you have to run away. At the same time, it says that you should try you should go to teach them, so it depends why you're there. If you live in that neighborhood with these people because you want to teach them, then it's fine, then you will not be influenced. Because ืืืืื ืืืจืื ืืืืคืื ืื ืืืข. But if you are there because you want to live there, then you will be influenced. So you gotta live around It depends if you're in the bechinah of Avraham Avinu or Lot. Right. You're a bechinah of a ืืืืืืืืืืฉืขืจ ืฉืืื or not, that's what it is. Yeah. Right, 40 years ago there was nothing, yeah. Now we're holding in the Gemara, in ืขืดื, ืขืืื ืืณ. Isn't that isn't that that story about Rabbi Yosi ben Kisma? Yeah. What did he say there? Yeah. Because there's no Torah, so what did No, so ืืืืืจื ืืืจืื, go teach him Torah. Right, but he didn't want They didn't ask him to teach Torah. They wanted him to live there, and not that he should teach them. That's why he said I'm never gonna go there. Why did they want him to sit there? Huh? Why did they want him to sit there? A Rabbi, so it's clean because he is a Rabbi, that's Yeah, but they They didn't want him... They wanted they should... They wanted to have an ืขืฆื ืืืื with him. You, yeah, you should come and live with us and You'll be an ืขืฆื for us, you'll be an ืขืฆื, you'll learn with us. They weren't looking for guidance. They were looking for guidance, he would stay there. Yeah, yeah. Yeah. No, but they had to sit him around them. They went together with him, what, it doesn't matter. But here he's talking about going to a place where there is no Torah. Well, he had a chance to teach them, didn't he? Yeah, but they weren't ready to listen.
Only thing I don't understand, to give tzedakah, to lend to a poor person is good, but to invest with a poor person, that's the biggest risk, because the person's a ืฉืืื ืืื. No. But no, doesn't mean that he's a ืฉืืื ืืื. That doesn't mean, he just doesn't have any money. And he could be a great businessman, he just doesn't have any money to invest. So if you give him money to invest Nowadays it's all over Can't do what? It depends who is doing it... Oh, that's another, and if you give, and if you give a rich man who has no experience, and if you give a rich man who has no experience, that's also no good. Same, has nothing to do. If he has no experience, it's a big problem! Not talking about that. If he has experience, other than that he doesn't have any money, so you could give him tzedakah, you could lend him, or you could invest with him. The best thing is to invest. It's a wise idea. If you think you're gonna lose, then just give him Give him, yeah. ืืืืจ ืจื ืืื ื ืืืจ ืจืื ืฉืืขืื ืื ืืงืืฉ, ืจื ืืื ื said in the name of ืจืื ืฉืืขืื ืื ืืงืืฉ, ืืืืจื ืื, some say, ืืืจ ืจื ืืกื ืืืจ ืจืื ืฉืืขืื ืื ืืงืืฉ, ืจื ืืกื said in the name of ืจืื ืฉืืขืื ืื ืืงืืฉ, ืืืืจื ืื, some say, ืืืจ ืจืื ืืืจ ืจืื ืฉืืขืื ืื ืืงืืฉ, ืจืื said in the name of ืจืื ืฉืืขืื ืื ืืงืืฉ. What did he say? ืื ืืืืื ืืื ืจืข, ืืื ืจืข ืืชืื ืืืชื, someone raises a bad dog in his house, ืืื ืข ืืกื ืืชืื ืืืชื. You're stopping chesed from your house. Why? Because the poor people are afraid to come. How about raising any dog in your house? No, it says a bad dog. It talks about a The word ืจืข actually is in brackets. For the ikar, the chesaron is, you know, to raise a dog is a different she'eilah. Legabei the inyan of holding back chesed, it's only if it's a bad dog, because otherwise why other people are afraid? But if it's a bad dog, people are afraid to come. Why the parentheses? Huh? He put it in because otherwise you would think any dog takes away chesed. So they It's not parentheses, it's brackets. Parentheses mean take out, brackets mean you're putting in. Adding the words. ืืขืฉื ืฉืืื? Unless You remember You remember that on North Talbot where they used to have all the dogs, the Satmar Chassid? Yeah. You remember? Sure. You know that there was a mikveh they had, the Super Mikveh in that house? What's his name was, Altus? Menachem Altus. Altus, yeah. Oh, yeah, yeah. This
reminds me of the the maaseh with the with the Dubno Maggid, the mashal with the dog. That's a good one. Munkatcher's father, Munkatcher's father, who is that? Rabinowitz. ืงืืื? Rabinowitz, yeah, yeah. The whole olam of ืคืืืืืฉืข, whatever. Hold a picture? Not that. Somebody walked with the dog, that is one of the reasons they didn't want to take in I mean, One of the reasons. I mean, he's a What? I don't know, but he was a dog person. Today's Today's picture? Today's father. You know, they have small dogs for walking. Which is his father? I saw him I saw myself Shabbos him wearing a watch. When was this, in Europe? What What What what's Almost everybody wore a watch. Even other rabbanim wore a watch. ืจื ืืืืฉ? And the question was if gold or not. Some people thought only golden watch, but many, many ืจืื ืื. He had a golden watch, I think. He had a golden watch, but many ืืื ืืืจืืฉืข ืจืื ืื wore a watch. Why, it's less of a ืชืืฉืื than a sword? A golden watch is like an an ornament. Might have been an old watch. Which is a better ืชืืฉืื, the sword or the watch? Dress? You have to know what time Minchah is, though. Yeah. Yeah. A ืืกืืืืฉืข watch. But this is talking about a ืืกืืืืฉืข ืจืื. He wasn't a ืืกืืืืฉืข. He was. I know, I'm saying so he were he had modern things. His name was Rabinowitz. ืืจืื ืืืจ? Rabinowitz. I heard in Crown Heights ืืขืจ ืืื ืงืืืฉืขืจ ืืื ืืขื ืืืขื ื ืืขื ืืืกืจ ืคืืจ ืื ืืืืืื. Yeah. He was already when he was in Munkatch still he was already more modern. Yeah, zicher. They say even about him, this is the joke about him about ืฉืืื ื ืขืฉืจื was about him, that when the chasidim used to come for Yom Tov, so he daven-ed ืฉืืื ื ืขืฉืจื very fast. So the ืจืืืฆืื, his mother-in-law, said She said, \"That's how fast That's my davenen.\" She said, \"Well, you know what, because it's not nice. So many chasidim come, so at least fake it. Finish davenen, but don't go back.\" He said He says, \"What I'm doing is already faking. After I fake it, I faked it already. I don't hold of that.\" His son-in-law is, you know, his son Chaim Elazar? His son Chaim Elazar. He has two sons, I know. Three sons. Okay, one of the two, the Munkatcher, and another came to Dinov, the other one. Yeah, yeah, older than Chaim Elazar. And what's he? In America. He's a ืืืื somewhere. Oh, yeah. I don't know, I read in a that ืืื ืื ืืืืื he was, I read in that he was a ืืจืฉื, ืืขื ืืจืฉื. I heard him ืืจืฉื-ing. Yeah. Who are you talking about? Huh? Who are you talking about? Who? The The Minchat Elazar's ืืืืืื. He's the ืืืื ืืืืข ืืื ืงืืืฉืขืจ's father. The ืืืื ืืืืข ืืื ืงืืืฉืขืจ's father. Father. He was a son No, ืืืื ืืืืข ืืื ืงืืืฉืขืจ is an ืืืื ืืงื of the Minchat Elazar. He's the Minchat Elazar's son-in-law. I'm saying they were walking. They tell I heard a vort, I don't know if it's true, I didn't hear it from a ืืืืืืืืืืฉืขืจ. I heard it from a, from a grandson, from a person. That the the Minchat Elazar was very friendly with the ืคืจืืขืจืืืงืขืจ ืจืื. Very friendly. So they used to meet sometimes in Marienbad, in Karlsbad, you know. Karlsbad. Yeah, so one day they were walking. And that's when the ืคืจืืขืจืืืงืขืจ The ืจืื became his ืืืืืื, the ืจืื became the frayerdiker's. The Rebbe became the son-in-law of the Frayerdiker Rebbe. And he was dressed with a short jacket, and even he wore sometimes white gloves, like the modern. Yeah. Who who? The former? The Rebbe wore, yeah. White gloves? Yeah, that's what the style at the time. They say because sometimes there was some a woman who wanted to give him the hand. No, it's In France? A woman might want to give him the hand, so whatever whatever it is. Sometimes they did things. They once saw him walking in the street reading a New York Times. Who, the Rebbe? So they gave a look. They gave a look. No, full two holes there. It was two holes in it? Yeah, he's looking through to the ground! Make people think. Oh, he didn't want to see the pritzus? I don't know if the pritzus or he wanted people to think that he's, you know, he's not He's nothing. The day after the frayerdiker after frayerdiker's levayah, he came to 770 with a big newspaper sticking out of his pocket, bedavka. Bedavka. No, ืืกืชืจืช ืคื ืื, you know. ืื ืืื ืืืืื ืฉืืื ืื ืืืฉ ืงืืืฉ. Anyway, so they say, so this guy told me, I don't know if it's true, that the Munkatcher was walking with the Frayerdiker Rebbe, and that the frayer- the Rebbe just got married then. So he started telling him, \"See, you took an eydem, took a son-in-law, so what, some modern person?\" I I I don't know if this is true, because it doesn't sound true. So, they said that the Frayerdiker Rebbe answered him, \"We will see what's going to be with your son-in-law, and what's going to be with my son-in-law.\" It's not from, it's not from a ืืืืืืืืืฉืขืจ ืืขืฉื, in other words, it's not that Lubavitch made it up. I don't know, I don't know where he got it from. Somebody, a talmid of his, because his son-in-law... Then they wanted to make him Rebbe and then they they fired him. But he should say it, the frayerdiker should say it. Ich vais? M'darf doch im kennen fregen. I don't know. But this is a He wasn't even frum. No, he was frum, but he was already tsionistik. Munkatch was against tsiyonut, and he became tsionistik. He was, they say, I remember when he still lived in South America. Who? This, the ืจืืืืืืื ืขืจ or whoever it was. Yeah, he lived in Uruguay. He was a rav there. After the war, yeah, and, and they said people spoke lashon hara that he used to go to the beach. Whatever it is, people spoke, and he, for a little while, they made him Rebbe, and then they Who? Not in America? No, before that, yeah. And then they, what happened was really, he married the maid, that's the whole thing, cuz his wife died. He married the maid, and the answer was, the reason was because she was close to the kids and chasidim didn't like it. Azoy m'redt, I don't know if these lights are true. And he was Agudah, yeah, he was more to the tsionistan, and this was, chasidim didn't like. So you know what they call him in Munkatch? ืก'ืืื ืกืชื ื ืืฉืื ืืจืข ืืคืืื ืฆื ืจืขืื. So ืืจืื ืจืื'ืก. Yeah, I don't want to say it, cuz you shouldn't even say these things. Son? Son-in-law. His son-in-law. Yeah, we'll just finish the line and then we'll do Maariv. But what are we going to do, we don't have We have plenty, I We'll just finish here. So, if someone has a bad dog in his house, takes away ืืกื, ืฉื ืืืจ it says, ืืืก ืืจืขืื ืืกื. ืืืก, ืื, ืืืฉืื ืืืื ืืช ืงืืจืื ืืืื ืืืก, so ืืฉืื ืืืื ื they call a dog. ืืจืขืื ืืกื, ืืื away from, that means you're taking away chesed because you have a ืืืก, you have a bad dog. Okay. ืืืก means a dog in in ืืืื ืืช Greek, you know. Yeah.