Future Wealth Builders

"Seeds of Tomorrow: A Riyadh Investment Lesson"

Hello and welcome to today’s opportunity to grow.

Last week, we talked about the trader’s story. Today, we talk about the seeds of tomorrow: A Riyadh investment lesson.

Divrei-HamYamim Bet (2 Ch) 9:14 CJB

[14] besides that which came from customs duties and sales taxes; also all the Arab kings and regional governors brought gold and silver to Shlomo.

https://bible.com/bible/1275/2ch.9.14.CJB

It was a golden Friday evening in Riyadh. The call to prayer echoed gently across the city as families gathered for dinner and the streets began to glow under the soft streetlamps. On the seventh floor of an apartment complex in Al-Malaz district, Layla, a curious 13-year-old, sat beside her father on their breezy balcony. They were sipping mint tea and munching on dates after a long day.

Layla had spent part of the afternoon helping her father at his electronics shop downtown. But she had one question burning in her mind. Her father had spoken to a few men in suits during the day, and later he mentioned something about “a big investment” and “opening a second branch.” She was puzzled. “Baba,” she finally asked, “Why are you spending so much money on a new shop? Don’t we need to save more instead of spending?”

Her father chuckled, stirred his tea, he leaned closer and said, “That is called an investment’’. It’s one of the smartest things someone can do. You give up something now—like money or time or effort—so that later, in the future, you get something bigger in return.” He pointed to the palm tree in their yard. “When we plant a seed, it takes time. We water it, protect it, and wait. At first, we see nothing. But later, we get fruit. Investing in a business, education, or even good habits works the same way. It might seem slow at first, but it pays off in a big way.”

At that moment, the TV inside the house played softly in the background. The news anchor was reporting on a high-level visit: the President of the United States had just arrived in Riyadh. “The U.S. is hoping to strengthen trade and investment ties with the Kingdom of Saudi Arabia,” the anchor said. “The talks are expected to create new opportunities for technology, infrastructure, and youth entrepreneurship.” Layla’s father turned and smiled. “Even world leaders are investing.

Layla blinked, her mind racing with this new understanding. “So, even my studying instead of going out with friends... that’s like an investment too?”

“Exactly!” her father said. “You are investing in your future, your skills. Most people only see what they are losing—like fun or free time—but wise people see what they’re gaining down the road. You know, the more you understand investments, the more control you’ll have over your life. You could one day own property, start a company, maybe even build an app that helps other teenagers learn about money.”

Layla thought for a moment. She remembered how one of her classmates, a boy named Omar, always spent his money on the latest sneakers and gadgets yet often had nothing left by the end of the week. “I think I get it now,” she said slowly. “Being rich doesn’t mean spending a lot. It means knowing how to grow what you have.”

Her father nodded proudly. “Now you’re thinking like a true investor. Especially here in Saudi, where new opportunities are opening up every day. Your generation has the chance to shape the future. If you learn to invest wisely—not just money, but time, ideas, relationships—you’ll be unstoppable.”

That night, Layla lay in bed not dreaming of dresses or gadgets but of possibilities. She realized that being financially intelligent wasn’t just about saving money—it was about seeing the future in the present. And it all started with one conversation... and one seed of understanding.