Question: By depositing money in banks–whether in savings accounts or other forms of investment to increase personal wealth, is an individual in some way violating the free will of others, because that interest is derived from the labor of other people, and financial resources are drawn from the limited energy available in the simulator? Would it not be better for the individual’s own growth to direct accumulated wealth towards benefiting society, rather than allowing it to sit unused in the bank?
Answer from the Ascended Master Saint Germain through Kim Michaels. This answer was given during the 2025 Holland Conference.
We have given other teachings about this, and we have, of course, explained that many of the investment schemes that people can invest in are created by the fallen beings in order to enrich themselves. They are, in many ways, a way to manipulate the economy to create these artificial financial instruments. And yes, the effect of this is, of course, that wealth is funneled upwards from the working population to the elite. And you can see how this is getting worse and worse, both in Russia, in the United States, and other nations, that the rich are becoming richer, and the general population has seen a lowering of their standard of living.
It is clear that if you participate in those kinds of investment schemes, then this is a karma-making situation. You need to make the choice. Do you want to make money, or do you want to avoid making karma? Because with these kinds of investment schemes, you cannot do both.
Now, in terms of depositing money in the bank, this is a little different, in the sense that it is valid enough to have money in the bank as a short-term protection of the money so that it is still available for use, whether it is consumption or investments. It is not necessarily a karma-making situation to have a certain amount of money stored in the bank for a certain time. But of course, it would be better to invest the money. And you can, of course, invest it in various ways, even in companies. You are not necessarily making karma by buying stocks, but it depends on whether the stock is overvalued or whether there is still a connection between the price of the stock and the dividends that the company can pay, or if it, for example, is a new startup where it benefits the company that you invest in. But what you see in the stock market is that some stocks are simply so overvalued because they are bought and sold based on speculation. And this, of course, becomes a pyramid scheme, where the stocks can only keep going up as long as there are new investors coming in who are buying into the dream that they, too, can make money. But in the long run, not everybody can make money in the stock market. And therefore, it is karma-making to invest in those kinds of stocks.
There is always a balance to be found there. Theoretically, yes, the more you reinvest money to promote growth in society, the better. But again, there is nothing problematic about having a certain amount of money in the bank to keep it there in a way that is easy to put to use, whether it is consumption or an investment in your own company, for example.
Copyright © 2025 Kim Michaels