When one travels by train, there are three classes to choose from: The lowest (the third class), the second class, and the luxurious first class.

Typically, the poor person travels in first class. The wealthy, on the other hand, choose the second class. Since they purchase their ticket with readily available funds, they reckon that they only have sufficient funds for second class. The poor person, who has no available funds, travels on credit. Therefore, if he is already putting his ticket on credit, he might as well take advantage and fully enjoy his travel in first class.

The lesson for us is obvious. Since it is common for people to pay with credit in their material affairs, one might as well go a bit further and see to it that he and his household’s spiritual needs are met accordingly — even if it means having to use one’s credit.

Sichos Kodesh, 12 Tammuz, 5724