Money Isn’t Evil – People’s Choices Are

Garrett Gunderson
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I’ve always been fascinated by how quickly people blame money for society’s problems. You’ve heard it before: “Money is the root of all evil.” But is that really true? Or is it more about what people choose to do for money or because of it?

This common saying misplaces blame on an inanimate object rather than on human choices and actions. Money itself has no moral compass – it’s just a tool. The problems arise from how people interact with it, the lengths they’ll go to acquire it, and what they’re willing to sacrifice along the way.

Misplaced Blame

When we blame money for corruption, greed, or harmful actions, we’re letting the real culprits off the hook. It’s like blaming a hammer for a broken window. The hammer didn’t swing itself – someone made that choice.

Sometimes I joke that Satan must be annoyed when money gets credit for evil that he feels he deserves. I imagine him sitting in hell, whining, “That wasn’t money. That was me.” And then burning through cash wondering, “Why in the hell is my picture not on it?”

Money amplifies who we already are. If someone is generous, having more money allows them to be more generous. If someone is selfish, more money just gives them more opportunities to express that selfishness.

Our Relationship With Money Matters

The original quote that people misuse actually states that “the love of money is the root of all kinds of evil” – which shifts the focus from the tool to our relationship with it. This distinction matters tremendously.

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Here’s how our relationship with money can become problematic:

  • When we value money above relationships, health, or ethics
  • When we believe money itself will bring happiness rather than what we do with it
  • When we judge our worth or others’ worth based on financial status

These mindsets create the conditions where harmful choices become more likely. The problem isn’t the money – it’s the mindset.

Money as a Neutral Tool

In my work coaching business owners, I’ve seen how money can be a force for tremendous good when approached with the right mindset. Money can:

  1. Fund innovations that solve pressing problems
  2. Support families and communities during difficult times
  3. Create opportunities for people to pursue their passions
  4. Enable charitable giving that changes lives

The same dollar can build a school or buy a weapon. The dollar doesn’t decide – we do.

When we recognize money as a neutral tool rather than an inherently corrupting force, we take responsibility for our choices. We stop blaming our moral failings on external factors and start examining our own values and decisions.

Changing Our Narrative

I believe we need to change how we talk about money. Instead of “money is the root of all evil,” we should say “the misuse of money reflects existing evil.” This puts the focus where it belongs – on human choice.

By shifting this narrative, we can develop healthier relationships with wealth. We can pursue financial success without compromising our values. We can use money as a tool for positive impact rather than seeing it as a corrupting influence.

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Money doesn’t create character flaws – it reveals them. When someone acts unethically for financial gain, the problem isn’t the money but the willingness to compromise values.

Next time you hear someone blame money for society’s problems, challenge that thinking. Ask whether they’re letting the real culprits – human choices, systems, and values – off the hook.

Money isn’t evil. It’s just paper, metal, or digital numbers. What matters is what we choose to do with it and who we become in its pursuit.

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Garrett Gunderson is an entrepreneur who became a multimillionaire by the age of twenty-six. Garrett coaches elite business owners in the financial services industry. His book, Killing Sacred Cows, was a New York Times and Wall Street Journal bestseller.