Human world is roaring with 
noise “Wealth, Wealth, Wealth”. And human is suffering with obsession of love of 
wealth. Everybody talks to his best about wealth. And most of them are blindly 
running after it and leave no stone unturned to make as big pile of it as 
possible. In this pursuit, many are tearing apart moral values, setting aside 
religious teachings and violating codes of law.
According to the author’s surveillance, only few people know about the real 
meaning of “Wealth”, its different types and their associated roles & 
importance. The author, after deep observations and analysis, has come to learn 
“few things” about Wealth. In this essay, he is trying to highlights these “few 
things”.
Definition of Wealth
According to author, wealth comprises everything that fulfills our physical 
necessities, comforts and luxuries or sexual and emotional desires or is a 
source of spiritual/ eternal peace.
Types of Wealth
One can divide “Wealth” into many types according to his point of view. However, 
the author has divided the “Wealth” into six following main and worth 
highlighting types.
1. Material Wealth 
“Material Wealth” deals with all things that are materialistic in nature. For 
instance, land, jewelry, gold, silver & other precious metals, various 
commodities etc. are all common example of material wealth. Commonly, Material 
Wealth is found in the shape of currency bills and coins.
Material Wealth in itself is a great blessing. It enables man to keep body and 
soul together. The abundance of Material Wealth is considered necessary for a 
successful and comfortable life. It also ensures prosperity, development, 
political stability and sovereignty of nations as well as of internal 
organizations. On the other hand, lack of Material Wealth is a source of great 
distress and inconvenience. Lake of Material Wealth is known as “Poverty”. And 
poverty is the mother most of the miseries and evils. Actually, the monster of 
poverty gulps down civility, morality, etiquettes, tolerance, courtesy, etc. It 
destroys sense of humor and appeal of beauty. It erodes away human capabilities. 
A poor man has no influence of reasoning and advice. Hence, it is said that 
there is very thin line between poverty and infidelity/ unfaithfulness.
2. The Wealth of Health
“Health is Wealth” is a well-known proverb. Bad health and fatal disease usually 
make serious cutback in obsession/ sentiments of love and attraction for 
Material Wealth in our minds. In order to highlight his point of view, the 
author would like to give an example of an American citizen, John D. 
Rockefeller. He was the owner of a big empire “Standard Oil Company” at the age 
of 43. But due to high level of anxiety and fretfulness, his health became very 
poor. He had lost all of his body hair. Doctors had given him the horrible news 
that he had only few days left. Hearing that, he started weeping. He begged the 
doctors to save his life. Doctors told him that his life could be saved only if 
he would choice Wealth rather than Material Wealth. He gave preference to Health 
over Material Wealth. He immediately constituted a Board of Directors and handed 
over all business affairs to it and stopped running after and thinking about 
Material Wealth for good. He recovered and lived for more than ninety years. To 
understand the importance of health, you do not have to go too far, visit any 
hospital and inquire the patients. It will be evident that most of the patients 
are ready to abandon their Material Wealth in exchange for Health.
3. The Wealth of Knowledge
The “Knowledge” is a remarkable Wealth. It is something that differentiates 
humans from other species. Due to the Knowledge the human beings are regarded as 
“Ashraf-ul-Makhluqat” – the best of all creations. Knowledge has enabled men to 
unravel the laws of nature; Natural Elements have come under control of the will 
of man and are being used in a variety of products ranging from needles to 
spaceships. By the reason of Knowledge man has changed the course of rivers, 
walked on the moon and touches the surface of Mars. The mobile phone in your 
pocket is a common example that has been devised through the knowledge of 
physics and chemistry. It bestows man with confidence, respect, honor and fame. 
It enables a man to become professor, scholar, intellectual, writer, inventor or 
scientist. It has formulated the destinations of many nations. Nations who 
understand the importance and significance of knowledge are abundant with 
material wealth, advanced in technology, stable in politics and ruling over 
other nations. 
4. The Wealth of Time
“Time is Wealth” is also very well-known proverb. Time is superior to all of the 
three aforementioned wealth (Material Wealth, Wealth of Health and Wealth of 
Knowledge) as they are achieved with the passage of time and remain with us 
until it ends. When time comes to an end and one dies, all of his Material 
Wealth is distributed among heirs, the Wealth of Health disappears and the 
Wealth of Knowledge ceases to exist.
5. The Wealth of Good-Will
According to author’s point of view “The Wealth of Good-Will” is more important, 
superior and long-lasting than all the aforementioned wealth. Time doesn’t 
belittle the impact of “The Wealth of Good-Will”. When someone has goodwill, the 
words become “golden words”; their actions, deeds and doings become follow-able. 
Goodwill makes man a living legend, great person, priest, saint, and most 
importantly it helps the man become a spiritual personality. Material Wealth 
stands in service of goodwill. On its command, majority of people is ready to 
sacrifice not only their material wealth but also their lives and takes pride to 
do so and regard this as means to salvation. It is worth saying that an account 
of the Goodwill of Prophet Muhammad (S.A.W) thousands of thousand persons are 
Muslims even after more than fourteen thousand years, although non of them has 
seen either God Almighty or revelation of Quran-e-Majeed, either angels or 
heaven. Let us not forget the remarkable goodwill of two great personalities of 
this era i.e., llama Muhammad Iqbal and Quaid-e-Azam Muhammad Ali Jinnah. Today, 
scholars and intellectuals never get tired of using Iqbal’s poetry in their 
speeches and lectures to reinforce their point; and currency notes are not 
completed without Jinnah’s picture.
6. The Wealth of intelligence
The “intelligence” is the most Precious Wealth. Its abundance raises the 
intellectual level high and, on the contrary, its deficiency results into low 
intellectual level. When a great personality is purported to be born, the 
creator of the universe blesses him with high intellectual level. And when a man 
is blessed with high intellectual level, angels bow before him; laws of nature 
becomes unraveled; natural elements surrender; Material Wealth reveals its 
reality; Wealth of Health discloses its secrets; Wealth of Knowledge opens its 
treasures, Wealth of Time teaches directions to make the most of it; the Wealth 
of Goodwill falls in love with him and doesn’t leave him for eternity.
A person enriched with Wealth of Intelligence doesn’t run blindly after Material 
Wealth (estate or excess bank balance etc); selfishly engage in the acquisition 
of political power and superficial glory. On the contrary, he extracts 
happiness, pleasure and success in spending his extra resources for the 
prosperity and well-being of mankind. The offer of political power and Material 
Wealth doesn’t set him apart from his mission and goals. If he were to be 
offered sun in one hand and moon in the other, he would refuse and continue the 
pursuit of his mission. The basic reason behind it is the awareness of reality 
of political and Material Wealth. He knows that attachment with the Material 
Wealth is short-term; it will be either lost during his life-time or distributed 
among others on his death. He knows political power is unfaithful, if 
circumstances go unstable in the country, political power will be snatched and 
he will be either thrown away into prison or exiled.
A man with superfluous intellectual wealth is indeed “Ashraf-ul-Makhluqat” - The 
best of all creations. His conscience reaches to the point where he wouldn’t do 
anything unethical, sinful or criminal for the sake of Material Wealth and other 
superficial interests. He wouldn’t hurt anyone’s heart, let alone kill or injure 
someone. Not to speak of theft, robbery, fraud, corruption, bribery etc, he 
wouldn’t keep a purse found on the road. In short, all his actions and deeds are 
directed and aimed towards the prosperity and well-being of mankind. It is worth 
noting, that an intellectual person doesn’t consider his good deeds and efforts 
towards the betterment of mankind as a favor to anyone, actually, he is bound by 
his intellect to do so as it doesn’t let him go astray from the right path. 
Furthermore, it should be noted that high intellectual level doesn’t mean a man 
won’t make a mistake; after all “To err is human”. He realizes his mistakes 
quickly and avoids repeating them.
The scarcity\lack of Wealth of Intelligence is the worst poverty. Lack of 
Intelligence is infinite. It may degenerate human beings from the privilege of 
“The best of all creations” to beasts or worse. Lack of Intelligence blind them 
with the darkness of ignorance, set them apart from the Wealth of Health, 
Knowledge, Time and Goodwill. Also, put them in the shell of selfishness where 
they cannot see anything but their own interests and desires. As they need 
Material Wealth for the fulfillment of his interests and desire, they get engage 
in the acquisition of as much Material Wealth as possible. Consequently Material 
Wealth like land, jewelry, gold and overload bank balance etc. is the first and 
last thing in their minds. In this pursuit, illegal becomes legal, immoral 
becomes moral, misdeed becomes good deed, and crimes become lawful acts. Looking 
at their activities beasts are complaining that why there are being defamed and 
devil is happy that now he may go to long leave.
The lack of Wealth of Intelligence on the national level has numerous adverse 
consequences. There are approximately 200 countries across the globe, out of 
these approximately 150 are considered under-developed. There are many reasons 
attributed to their under-development, however, the basic one is low 
intellectual level (lack of Wealth of Intelligence). Due to this, people are 
unable to raise their moral ethics & values, prosper economically, become stable 
politically and most importantly evolve as an independent nation. Pakistan is 
considered an underdeveloped country and its people are victims of low 
intellectual level. According to author’s estimation around 90% of the 
population is suffering from obsession of love of wealth. They are not aware of 
the benefits of wealth of Health, Knowledge, Time and Goodwill. They have 
nothing to do with interest of others, betterment of society, prosperity of 
nations and development of country. Moral values, religious teachings and codes 
of law carry no meaning to them. Government Institutions are engaged in 
incapability, bribery and corruption, judiciary seems to be paralyzed, employees 
of many lower courts receive bribery as commissions and decisions are made at 
the will of rulers and powerful higher-ups. Hurdles are made in the execution of 
Supreme Court’s and High Courts’ decisions. The structure of constitution and 
election commission is designed in such a way that no one could reach to the 
provincial and national assembly and senate other than people belonging to the 
families of landlords and capitalists. Elections have turned into an arena where 
the low and middle class cannot think of participating. The economy has been 
deteriorated completely; the burden of national and foreign debt has reached up 
to Rs. twelve thousands billions. Leaders and rulers have badly failed to 
provide the basic necessities to the general public. Markets are filled with 
false and fake products. The owners of mills and factories are forming cartels 
and selling their goods at desired prices against the codes of law. 
Consequently, owing to the lack of Wealth of Intelligence, the independence 
obtained on 14th August 1947 gone worse than slavery of British for 95 % 
citizens of country.
The author Rana Saeed Ahmad, strongly believes that all the problems and 
stressful circumstances of Pakistan are productions of lack of Wealth of 
Intelligence. He assures that until or unless the present intellectual level of 
the nation is raised, the current problems and stressful circumstances of the 
country cannot be improved. Understanding his obligations towards the country, 
the author has written a book and established a foundation in an attempt to 
raise the present intellectual level of nation and alleviate the poor condition 
of the country. The name of the book is “Intelligence, its different levels and 
their effects”, 
(The book is available https://drive.google.com/?tab=mo&authuser=0#folders/0B4EHLEy41DhCMC1KX09kZzZMT1E)
whereas; the name of the foundation is proposed to be “Tamiray Akkal Foundation” 
–“Intellect Building Foundation”.
The author assures you that his intentions are aimed towards serving the nation, 
humanity and earning Wealth of Goodwill instead of Material Wealth. If you also 
wish to do something for your country and mankind without paying a coin, feel 
free and contact the author on the following address, thank you!
Published by “Tamiray Akkal Foundation”
E-2465, Street Hingnan, Suha Bazar, Lahore, Pakistan.
Contact# 0321-4536069