I know what money can do and what it can’t.

I am a financial adviser to the very rich, an accountant to entrepreneurs and middle-class professionals, and as a pastor I work with the incarcerated and the homeless. I am one of the few people you will ever encounter who has financial experience with the entire economic range of American society.

I decided to write this after hearing the news that Bill and Melinda Gates ended their marriage soon after their youngest daughter left the house. I was not surprised by the divorce and I was not surprised by its timing.

Here are the things money cannot do:

Buy happiness

Save your marriage

Save any relationship with anyone

Make you proud of yourself

Save you from your own narcissism and the isolation it creates

Help you deal with conflicts

Help you understand who you are and what your values are

Fix your past mistakes

Now here are the things money can do:

Solve problems

Eliminate stress

Improve your health

Improve your confidence

Buy you love (romantic love)

Buy you the freedom to live out your values

Buy you access (to pretty much anything)

Buy power (sometimes…only sometimes)

Buy clout, prestige or status

For many of you, the reason money isn’t making your life better is that you haven’t solved the problem of understanding who you are and what your real values are. And neither money nor the pursuit of it will help you understand your values, yourself, or anyone else.