To test your character, spend other people’s money and pretend you’ll not be audited.

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My daughter Rachel, when she was about four years old knew the value of money and the responsibility of keeping it safe. I remember when she asked me money to buy something at a neighborhood store with our helper in tow.

“Papa, may I have five pesos?” I felt a bit generous at the time, when at that age, Rachel can read the alphabet and give correct answers to basic arithmetic.

I offered her P50, but Rachel refused it. She said something like this: “Papa, please. I don’t want P50. I only want five pesos.”

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