Acharya Prashant recounts an experience from his childhood, explaining that along with his studies, he was very fond of being competitive. It had become necessary for him to come first. He describes the scene in his class when teachers would bring bundles of answer sheets after exams. As the answer sheets were distributed, everyone's heartbeats would stop, waiting to know their marks. He shares a lesson he learned one day. When the answer sheets were being distributed, he saw that he had scored 95 marks. He immediately went to the teacher, pointing out where she had deducted a mark and arguing that it shouldn't have been, trying to get his score changed from 95 to 96. He was very bothered by getting 95 out of 100. He then observed that many other students who had scored much lower marks, like 68, 46, or 72, were sitting comfortably and enjoying themselves after receiving their papers. This observation led him to a sudden realization: often, the more a person has, the greater their hunger for it. It is not necessary that if you have less, your hunger will be greater. This principle applies in both worldly and spiritual dimensions. A saint has more of 'Ram' (God) and wants even more, whereas a worldly person has no 'Ram' and doesn't want any. Similarly, in the worldly realm, a rich person is hungrier for money than a poor person can ever be. The rich person has money and wants even more. Acharya Prashant defines 'Aishwarya' (opulence or richness) not as having a lot, but as the absence of the feeling of lack. Richness is when you don't feel that you are missing something. The absence of this feeling of lack is called 'Aishwarya'. He advises that one should stop asking for more in the worldly dimension, not out of a sense of incapacity, but by giving up the hope that acquiring anything here will automatically lead to acquiring 'That' (the Ultimate). If you must acquire something in the world, it should only be that which helps you acquire 'That'. The only thing to earn in the world is a hammer to break mental bondages. If you have money, use it to make a hammer, to set up a hammer factory. Use your resources not for comfort and luxury, but to make weapons to cut your mental bondages. When you make your personal budget, you should spend 90-95% on 'defense'—buying cannons and tanks. The purpose of money is not to buy a bigger bed, but a bigger tank.