Section 22: The Wise Person Can Use Wealth explained simply

XXII. Who can doubt, however, that the wise man, if he is rich, has a wider field for the development of his powers than if he is poor, seeing that in the latter case the only virtue which he can display is that of neither being perverted nor crushed by his poverty, whereas if he has riches, he will have a wide field for the exhibition of temperance, generosity, laboriousness, methodical arrangement, and grandeur. The wise man will not despise himself, however short of stature he may be, but nevertheless he will wish to be tall: even though he be feeble and one-eyed he may be in good health, yet he would prefer to have bodily strength, and that too, while he knows all the while that he has something which is even more powerful: he will endure illness, and will hope for good health: for some things, though they may be trifles compared with the sum total, and though they may be taken away without destroying the chief good, yet add somewhat to that constant cheerfulness which arises from virtue. Riches encourage and brighten up such a man just as a sailor is delighted at a favourable wind that bears him on his way, or as people feel pleasure at a fine day or at a sunny spot in the cold weather. What wise man, I mean of our school, whose only good is virtue, can deny that even these matters which we call neither good nor bad have in themselves a certain value, and that some of them are preferable to others? to some of them we show a certain amount of respect, and to some a great deal. Do not, then, make any mistake: riches belong to the class of desirable things. “Why then,” say you, “do you laugh at me, since you place them in the same position that I do?” Do you wish to know how different the position is in which we place them? If my riches leave me, they will carry away with them nothing except themselves: you will be bewildered and will seem to be left without yourself if they should pass away from you: with me riches occupy a certain place, but with you they occupy the highest place of all. In fine, my riches belong to me, you belong to your riches.