The late primatologist Jane Goodall was the first to provide evidence that some primates made and used tools. Her discovery reversed the long-standing belief that only humans were capable of making and using tools.

Almost everything humans do is accomplished with tools, all of which are inanimate objects. Tools have no life or mind of their own; they are employed by a human facilitator. Whether tools are used for positive or negative ends depends entirely on the wisdom of the owner. Take money, for example. It can serve good ends and bring positive benefits to the owner. But compared to wisdom, tools like money are limited. Money can be used for many things, but it cannot ultimately preserve, protect, or provide life to those who have it. Solomon, who made this observation, knew what money could and couldn’t do—he had more than anyone in his day.

Whatever amount of money God has entrusted to you, pray for even more wisdom. Whoever finds wisdom finds life (Proverbs 8:35).
    
We may love money without having it, just as we may have money without loving it. 
J. C. Ryle