Section 21: Wealth Tests the Philosopher explained simply

XXI. “But how is it that this man studies philosophy and nevertheless lives the life of a rich man? Why does he say that wealth ought to be despised and yet possess it? that life should be despised, and yet live? that health should be despised, and yet guard it with the utmost care, and wish it to be as good as possible? Does he consider banishment to be an empty name, and say, “What evil is there in changing one country for another?” and yet, if permitted, does he not grow old in his native land? does he declare that there is no difference between a longer and a shorter time, and yet, if he be not prevented, lengthen out his life and flourish in a green old age?” His answer is, that these things ought to be despised, not that he should not possess them, but that he should not possess them with fear and trembling: he does not drive them away from him, but when they leave him he follows after them unconcernedly. Where, indeed, can fortune invest riches more securely than in a place from whence they can always be recovered without any squabble with their trustee? Marcus Cato, when he was praising Curius and Coruncanius and that century in which the possession of a few small silver coins were an offence which was punished by the Censor, himself owned four million sesterces; a less fortune no doubt, than that of Crassus, but larger than of Cato the Censor. If the amounts be compared, he had outstripped his great-grandfather further than he himself was outdone by Crassus, and if still greater riches had fallen to his lot, he would not have spurned them: for the wise man does not think himself unworthy of any chance presents: he does not love riches, but he prefers to have them; he does not receive them into his spirit, but only into his house: nor does he cast away from him what he already possesses, but keeps them, and is willing that his virtue should receive a larger subject-matter for its exercise.