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Different people react to financial losses in different ways. Some get angry, some seek revenge, and some manage to find a way to be philosophical about it.The Torah tells us not to seek revenge in two ways: “Lo Sikom” and “Lo Sitor.” Rashi brings the Gemara, which explains that this dual prohibition is to be understood as not only forbidding actual revenge, but even bearing a grudge. When someone is asked to lend an item, even if the potential borrower had previously refused to do a favor for the now-lender, he should not only proceed with the mitzvah of lending out the item, but he is even forbidden from mentioning any previous slights.So does the Torah command us to be pushovers? Why are we not allowed to stand our ground and give the other person a taste of their own medicine? What’s wrong with justice? What goes around should come around, shouldn’t it?The Sefer HaChinuch (241) explains that when a person is the victim of harm caused by another, he should not view his fellow human as the true source of the suffering, but merely as a tool in the hands of Hashem. Hashem wanted this person to experience this difficulty for whatever reason; the person directly causing the suffering is simply the means through which Hashem achieves this goal. (How this reconciles with the other person’s free will is an interesting, yet expansive, topic.)However, the Sefer HaChinuch (338), when discussing the prohibition of ona’at devarim—speaking hurtfully to another—explains that this prohibition should not be misunderstood as restricting necessary verbal self-defense. Just as a person under physical threat is allowed to neutralize that threat, so too a verbal or financial attack can legitimately be defended against, even if that requires a strong response.We can see from these two mitzvot a fascinating distinction. When it comes to self-defense, one is allowed to proceed with normal arguments, force, and conviction. However, when we are talking about revenge, the situation is one in which the harm has already been done. Nothing will change the past or undo the damage. Continuing the back-and-forth is purely counterproductive. In such cases, one should adopt a more philosophical perspective and recognize that his situation is determined by a higher authority.When filing taxes and working with (or against) the government, the line is often blurry. Sometimes it is correct to push back, fight, and advocate in order to achieve a better outcome. However, one must also consider the cost, time, energy, and likelihood of success when pursuing matters that may ultimately reflect a decision already made on Rosh Hashanah—that Hashem had other plans.For any revenge related or other financial issues you require assistance with please reach out at aharon@goldwaterfs.co.il. Good Shabbos.

Achrei Mos- Kedoshim 5786 – A Loss is a Loss

A close-up of a jar filled with pennies and nickels.

This week’s double Parsha mainly focuses on the various forms of Tzaraas, loosely and often poorly translated as leprosy, which can affect a person’s body, clothes, and house.Concerning the Tzaraas of a house, we are told that whoever suspects that they may be afflicted should go to the Kohen and tell him that it appears that there is a “nega” on their house. The Kohen will then come and command that the house be emptied of all its furniture.Chazal pick up on this and derive a dual message.Firstly, Tzaraas sometimes comes as a punishment for being stingy. Such a person, who was too tight-fisted with their finances, is forced to have their assets put out in full public view.Secondly, the Mishnah (Negaim 12:5) explains that this was also done to assist the afflicted. Once the Kohen declares the house to be tamei—officially afflicted with Tzaraas—everything inside the house becomes impure. The Mishnah explains that the ramifications of this are actually not so severe: his clothes, wooden, and metal utensils can be taken to a mikveh. No great loss. What does the Torah go out of its way to “save”? His small earthenware vessels, which are generally cheap and insignificant. Earthenware, uniquely, once made tamei, cannot be purified via a mikveh.This teaches us how much the Torah cares about a person’s money, looking out even for cheap items—how much more so expensive items, how much more so a person’s children, and how much more so a tzaddik. The Torah cares and looks out for every detail.The Noda BiYehuda (YD Tinyana 160) points out that there is another place where Chazal learn that the Torah cares about a person’s money. In Parshas Chukas, when Bnei Yisrael complain about the lack of water, Hashem commands Moshe to speak to the rock to provide water not only for the people but also for their livestock. Why provide water for the animals as well? Because the Torah cares about a person’s money.What can we learn from these two different sources?He explains that each source has its own novelty. When the rock produced water for the cattle, Hashem performed a miracle, creating a spring from a rock in the middle of the desert. He was willing to bend the laws of nature purely to prevent financial loss. There is nothing miraculous in the case of Tzaraas.However, the case of Tzaraas teaches us that the Torah cares for a person’s money even on an individual level—not only for the entire nation’s cattle.For any Tzaraas related or other financial issues you require assistance with please reach out at aharon@goldwaterfs.co.il. Good Shabbos.

Tazria – Metzora 5786 – Money Matters

a sandwich sitting on top of a wooden table

The world of Israeli kashrut can be daunting and utterly confusing to anyone—especially a chutznik who hasn’t been in Israel for very long. The sheer array of stamps and labels on packaging, stickers on packets, and long, convoluted sentences can be overwhelming. Labels such as “Kosher for Pesach for those who are worried about kitniot the rest of the year” only add to the confusion.A notable case illustrating this was tried in the Israeli courts a few years ago. A customer frequented a McDonald’s during Pesach and ordered the “Pesach Special Royal Burger,” which came in a special Pesachdik bun. He then ordered an ice cream from the “Special Desserts for Pesach” menu. To his shock, the ice cream came with an ordinary cone. Predictably, an argument ensued, as it became clear that the “Pesach Special” was prepared in a completely chametz-containing kitchen. The customer claimed he was so upset and stressed about inadvertently eating chametz that he spent the rest of the holiday at home sulking. He subsequently attempted to sue McDonald’s for 63 million shekels.However, there is an important other side to the story. The McDonald’s branch he visited was not kosher year-round. It made no claims or pretenses to be—like roughly 70% of McDonald’s branches in Israel, it had no kosher certification at all. The “Pesach Special” was merely a special menu item, not a kosher one. The court dismissed the case, ruling that the man should have taken personal responsibility, as McDonald’s had done nothing wrong.During Pesach, we celebrate our freedom. But if we stop being slaves of Pharaoh only to become servants of Hashem, are we truly free?Chazal (Avos 6:2) teach that true freedom comes only from engaging in Torah. Western society often defines freedom as the ability to follow one’s desires. The Torah, however, teaches that freedom is achieved when one transcends their desires—rising above base instincts and drives in order to serve something higher and live a life of meaning and value. Freedom means taking responsibility for one’s actions and owning them.Making matza requires constant motion and careful attention to ensure nothing goes wrong. Chametz, by contrast, is produced through passivity—letting the world pass by and determine your fate. The Jews in Egypt were commanded to slaughter the sheep, not to be like sheep.כימי צאתך מארץ מצרים אראנו נפלאותFor any Chametz related or other financial issues you require assistance with please reach out at aharon@goldwaterfs.co.il.Good Shabbos.

Pesach 5786 – McDonalds Pesach Special

gold and silver round frame magnifying glass

Mas Hachnassa is now grappling with what could be the largest tax payment they have ever faced. The sale of Wiz to Google is generating a liability that could exceed 10 billion shekels.The amounts are eye-watering and can humble anyone when reflecting on their own financial position and achievements. Similarly, in the spiritual realm, when we witness the great acts of kindness taking place across the country and compare them to even our smallest gestures, it can feel disheartening.However, in this week’s Parsha, we are taught about the various voluntary offerings a person could bring to the Beis Hamikdash. These offerings ranged from a cow to a bird to a Mincha (baked) offering. The Mishna in Menachos (110a) points out that the Torah describes each of these as a “pleasant fire smell before Hashem.” Recognizing that these offerings would have been brought by people of differing financial means, the Mishna makes the famous statement: “Both the one who does more and the one who does less are equal, provided their intentions are for Heaven.”Tosfos Yom Tov on Maseches Avos (2:16) asks: why would someone choose to do more if they could do less and still be equal, provided they have the right intentions?He answers that when a person has the ability to do more but chooses to do less, they are clearly being lax in their responsibilities and not acting with the proper intentions. A person with the right beliefs and values will always strive to do the maximum they possibly can. When the only limiting factors are the external circumstances that Hashem places them in, all people are valued equally.Each of us is placed in a unique set of conditions and opportunities throughout our life, and we are only responsible for how we act in those circumstances. May we always strive to live life to the fullest.For any billion shekel related or other financial issues you require assistance with please reach out at aharon@goldwaterfs.co.il. Good Shabbos.

Vayikra 5786 – More or Less

Accountant working hands using calculator and laptop. business finance planning at desk with financial tax documents invoice , pen, and technology management payroll online internet banking concept.

This week we read about the Torah’s first and only financial audit. Moshe gives a line-by-line account of all the ins and outs of the Mishkan’s accounts: what was donated, how much, and what it was used for.There is a debate among the Meforshim as to whether this audit was commanded by Hashem, requested by the people, or initiated by Moshe for the sake of transparency.However, there is a mysterious omission. The Torah tells us exactly how much gold was collected, but unlike the silver and copper, it does not tell us what the gold was used for. Any auditor would instantly notice this discrepancy.The Toldos Yitzchak, R’ Yitzchak Kairo—uncle of the famous R’ Yossef Kairo—suggests two possible approaches. Firstly, the gold was donated only by the wealthier members of Bnei Yisrael. Such people were generally more relaxed about their finances and saw no need for an audit. They were happy to trust Moshe, whereas the poorer individuals who donated silver and copper were more scrupulous and demanded accountability.Secondly, the gold was needed for so many things: the Aron, the Menorah, the Shulchan, the covering beams, and the weaving of priestly garments. There was absolutely no way the amount of gold donated could cover all these needs—it was clearly a miracle. So evident was the need for a miracle that giving a precise accounting would have been meaningless.May we continue to experience miraculous results in this war, which defies statistics and all rational understanding.For any Mishkan related or other financial issues you require assistance with please reach out at aharon@goldwaterfs.co.il. Good Shabbos.

Vayakhel-Pikudei 5786 – Magical Numbers

Ancient Roman coin hoard, lot of old money in wooden pot, vintage background. Concept of Rome, antique, texture, civilization and history

What’s the fairest way to tax people?Should everyone pay the same fixed amount of money every year? Should everyone pay the same percentage of their income every year? Maybe only those who have above-average earnings or assets should have to pay? Or perhaps those who take the most from the system in services?These are questions that every country must deal with each year when it sets a budget and decides on its tax laws.When the Bnei Yisrael in the desert had to raise money to build the Mishkan, there was an interesting blend of approaches. Rashi (30:15) tells us that there were three collections:The sockets at the bottom of the Mishkan’s beams – half a shekel per person. The annual communal Korbanos – also half a shekel per person. All other materials needed – whatever each person wanted to give, inevitably resulting in the wealthier giving more. The first two half-shekels per person were simultaneously used as a means of counting the people. One can therefore understand why it was vital to have an equal amount per person.The Chizkuni adds that this was important in order to imbue the foundations of the Mishkan and the Korbanos with a sense of equity. Every person would have an equal share in the Mishkan and the Korbanos, because every person was equal.Reb Yehuda HaChossid, brought in Moshav Zekeinim, offers a unique explanation which bridges the gap between the necessity of equal amounts for the purpose of the census and the seeming unfairness of the rich and poor needing to give the same amount. He says that initially everyone donated whatever silver they could in accordance with their financial position. Then Moshe took all the silver and melted it into half-shekel coins. These coins were distributed to everyone and then subsequently donated and counted. This ensured that everyone was counted fairly.This week we gave three half-shekels to charity as a custom in memory of the annual donations towards the Korbanos. The Gemara in Megillah says that these shekels pre-empted the shekels that Haman offered to pay Achashverosh to destroy the Jews.May our shekels pre-empt the Hamans and K-Haman-is of our day!For any half shekel related or other financial issues you require assistance with please reach out at aharon@goldwaterfs.co.il. Good Shabbos.

Torah & Taxes Blog

Achrei Mos- Kedoshim 5786 – A Loss is a Loss

Tazria – Metzora 5786 – Money Matters

Pesach 5786 – McDonalds Pesach Special

Vayikra 5786 – More or Less

Vayakhel-Pikudei 5786 – Magical Numbers

Ki Sisa 5786 – More Equal