Included in the obligation to guard which is incumbent on a person is the extra vigilance a person has to have to guard himself from any sin or anything evil, as Chazal said that “One who stays awake at night or walks on a way by himself or empties his mind to wasteful things has committed a crime with his life!”, and they said further that “Anyone who deliberately forgets anything from his learning is considered by the Torah as if he has committed a crime with his life!”. The same applies to any rebellious or criminal act of sin that a person may do by which he will be sentenced to death by the heavenly court as if he dies then his own blood and the blood of his potential descendants will be demanded from him by his Creator and he will be held to account for everything in the heavenly court of law, where they will calculate how many good deeds he would have been able to perform and how many children he would have been able to have etc. When hearing this a person should tremble and be careful to withdraw his hand from anything bad and keep everything that is good so that he will not cause death to himself or his descendants G-d forbid. Chazal said in the Talmud that anyone who is neglectful of his own health will find that from heaven they are neglectful of his livelihood and reduce it as they say “If he himself does not take care of his own life, why should we take care of him?”. From here we can extrapolate to any person who, because of a small financial profit puts himself into a dangerous situation or reduces his own expenditure to the extent that it is extremely bad for him and he does not look after his own health, that he thinks that he is gaining whereas actually he is losing even more as in heaven they will reduce his income.
The heavenly forces will always take a person on the path that he wants to tread so that one who spends money will receive more money from heaven to spend whereas one who is stingy and reduces his expenditure to the extent that he is satisfied with a very small amount will receive only a small amount. The exception to all of this is one who is parsimonious and reduces his expenditure in order to be able to increase his involvement with the Torah and the Mitzvos as such a person’s lot is good as he will receive the “fruit” of his labors in this world as he will have wealth and riches in his house while the “balance” (the main part of the reward) will stay for him for the next world.