What is money, really?

Long ago, people swapped things: you give me bread, I give you an egg. But what if you don't want an egg at all? So people invented money — something (almost) everyone accepts.

Money does three jobs

1. Trade — you can swap it for almost anything.
2. Store — you can set it aside for later.
3. Measure — it shows how much something is worth.

Money is a tool, not a goal

Money isn't "good" or "bad" — it's a tool, just like a hammer. What matters is how you use it: do you buy something silly, or build something great?

Penny's rule: money is stored trust. Use it smartly, and it helps you build your dreams.