*Seed or Fruit? A Financial Literacy Lesson for Farmers*

Two farmers each receive a windfall of $50,000.

Farmer A decides to buy a luxury car for personal use. The car costs $50,000, and he pays it off over 7 years at $900 per month, including interest and fees. After 7 years, the car has lost most of its value, and there's no return on the money spent.

Farmer B uses the same $50,000 to invest in beef cattle, buying 170 head. Over 5 years, through careful breeding and herd management, the cattle multiply to 450 head.

By the 5th year, the herd is generating an annual profit of $50,000. Farmer B uses this profit to invest in residential apartments in town, which start earning him $1,700 per month in rental income — money that keeps growing, even after retirement.

Do you see every dollar you receive is either a seed to be planted for future harvest, or a fruit to be consumed?