Acharya Prashant explains that to understand how to use one's resources, one must first know what they want to use them for. All resources are for one's own sake, so the fundamental question is about the user of the resources, not the resources themselves. One must ask, "Who am I to make use of those resources?" The user comes before the resources, and one cannot arbitrarily put a resource to some use without first understanding the underlying need. The answer to how to optimally use resources must start with you, your life, and your inner world. To proceed, one must inquire into their inner state. What is it that keeps you awake and afraid? Once you know what you are fearful of, you will immediately know what to use your money for. Every resource must correspond to an inner need, and discovering this need is a matter of personal honesty; no book or external person can provide the answer. If you don't want to address what threatens or makes you insecure, you cannot know how to use your resources effectively. This self-inquiry involves asking crucial questions: What is your inner climate like? Are you at peace with yourself? Are you envious or hyper-competitive? Are you in harmony with your environment? How does a piece of news affect your mind? Looking at these things will reveal what you must use your resources for, which resources are redundant, and which ones you need to gather. Most people have resources like knowledge and time, but without self-knowledge, much of that knowledge might be redundant. Without knowing who you are, the resource of time is spent in an accidental way, dictated by whatever happens. The clock is ticking, and you must know what your time is for. To do this, you have to be with yourself and honestly ask: What do I do every day? What are my thoughts about? What do I feel attracted to? What is it that I really dread? Acharya Prashant notes that while these are very important questions, the education system often fails to impress their importance upon us.