*By Dr. Devan

Human beings live under an illusion: that clinging tightly to money is what ensures safety. But the deeper truths of life—and the universe—reveal the opposite. It is not hoarding that protects you; it is giving. It is not accumulation that safeguards your wealth; it is circulation. And it is not fear that preserves your fortune; it is generosity.

There is a profound spiritual and psychological law embedded in life: if you give away 10% of your income to the people around you—friends, well-wishers, neighbours, colleagues—your remaining 90% becomes more secure, more stable, and more protected than the original 100% ever was.

This is not merely charity. This is a universal principle, a vibrational law, a shield of goodwill, and a system of protection created by your own actions.

1. The Law of CirculationMoney is energy. It is not meant to stagnate. It is meant to flow. When you give freely, lovingly, intentionally, that money becomes blessed energy. It circulates through people who think of you with goodwill, gratitude, and positive vibrations. All this returns to you in invisible ways—opportunities, protection, safety, and emotional support.

When you give 10%:

You activate circulation.You energise your money.You prevent stagnation.You transform wealth into wellbeing.The universe blesses movement, not stagnation.

2. The Shield of GoodwillEvery person you help sends invisible blessings in your direction. Even if they do not express it, their mind acknowledges you. Their heart remembers your kindness. Their energy aligns with yours.

These blessings create a protective shield around you—an armour of goodwill.

When trouble comes, this shield absorbs shocks.When danger arises, this shield deflects it.When misfortune approaches, this shield disperses it.

This is why those who give generously often escape dangers, receive timely help, and experience an inexplicable safety that others do not.

3. Why 10% Is a Magical NumberTen percent is small enough not to burden you, yet large enough to create impact. It doesn’t cause financial strain, but it activates the universal law of reciprocity.

Ten percent is symbolic:

It acknowledges abundance.It expresses gratitude.It releases fear.It invites protection.It is a sacred proportion found in ancient scriptures, modern philanthropy, and the psychology of abundance. When you willingly give 10%, you signal to the universe: I trust that I will always have enough.

The universe responds by ensuring exactly that.

4. The Paradox of SecurityMost people believe security comes from saving every rupee. But this mindset attracts scarcity, fear, and attachment. The more you cling, the more insecure you feel. The more you hoard, the more life finds ways to take it from you—through unexpected expenses, accidents, losses, or health issues.

Giving 10% breaks this cycle.

When you give intentionally, your remaining money is no longer vulnerable. It becomes protected by:

goodwillpositive energyblessingsuniversal alignmentWhat you give away protects what you keep.

5. Gifts and Benefits Strengthen Human BondsMoney given to people around you strengthens the human network that ultimately sustains your life. Your neighbours, colleagues, friends, and well-wishers become your silent guardians. When you help them, you build invisible alliances.

These people:

Think highly of youSpeak well of youStand by you in times of needWarn you of dangerRecommend you for opportunitiesSave you from troubles you never even knew were approachingThis is the protection money cannot buy—but generosity can.

6. Generosity Elevates Your FrequencyWhen you give:

fear reducesabundance increasesyour vibration risesyour mindset expandsyour heart becomes lighterA generous mind is not limited by scarcity consciousness. It operates in the frequency of abundance. This frequency itself attracts:

stabilitywealthrespectsupportsecuritypeaceGenerosity transforms your internal vibration, and your vibration transforms your external reality.

7. The Universe Returns MultiplesWhen you give 10% away, the universe returns far more than 10% in non-monetary forms:

protection from unseen dangersprevention of financial lossestimely opportunitiesunexpected helpemotional resilienceimproved reputationdivine graceEven financially, the returns often exceed what was given. People who practise structured giving routinely report:

increased incomemore clientsmore supportmore financial stabilityThis is not coincidence; this is cosmic arithmetic.

8. Giving Creates a Narrative About YouEvery rupee you give tells a story about who you are. People begin to experience you as:

kindtrustworthystablenoblegenerousdependableThis reputation is itself a powerful asset. It protects you socially, emotionally, and professionally. People rally around those who are known to care.

You rise above pettiness.You rise above selfishness.You rise into leadership energy.

People protect generous individuals because they sense something divine in them.

9. Why the Remaining 90% Stays SafeThe 90% that stays with you becomes guarded by:

a. Positive IntentYour money carries the energy of goodwill.

b. GratitudePeople’s gratitude strengthens your karmic shield.

c. Universal protectionThe universe safeguards those who uplift others.

d. Reduced negativityGiving reduces envy and ill-will directed toward you.

e. Emotional clarityBecause your heart is free from fear, you make better decisions.

Money earned with fear gets lost with panic.Money kept with generosity stays with grace.

10. Giving Improves Your Financial BehaviourAn unexpected benefit of structured giving is better financial discipline. When you choose to allocate 10% for generosity, you automatically:

budget more carefullyeliminate wasteful expensesbecome intentional with moneydevelop emotional maturity about financesThe remaining 90% becomes more intelligently used, increasing its longevity and efficiency.

You become the master of your money, not the prisoner of it.

11. Generosity Attracts Divine ProtectionThere is a spiritual dimension to this principle. Every act of giving opens a doorway to divine grace. When you help the people around you, you invoke the unseen forces of protection—whether you call them blessings, light, cosmic support, or God.

The divine always protects those who protect others.

This is why generous people often say:

“Somehow I escaped danger.”“Somehow things always work out for me.”“Somehow someone always comes to help.”“Somehow I was saved from a big loss.”That “somehow” is divine arithmetic.

12. The True Wealth Is What You Give AwayWhat you keep creates comfort.What you give creates legacy.

Money is temporary.Blessings are eternal.Goodwill is priceless.Protection is invaluable.

You are not losing 10%.You are investing it—in people, in relationships, in karma, in the universe.

And every investment returns with compound interest.

13. The Final Truth: Giving Protects the GiverAt the deepest level, this principle is simple:

When you give, you become safe.When you withhold, you become vulnerable.

Giving 10% of your income is not expenditure. It is spiritual insurance. It is karmic protection. It is emotional stability. It is social security. It is universal alignment.

Your 90% remains with you because it is shielded by kindness.

You sleep peacefully.You walk confidently.You live securely.

The universe favours the generous.It blesses the giver.It protects the kind.

And therefore—

If you give 10% of your monthly income away to friends, well-wishers, neighbours, and colleagues as gifts and benefits…your remaining 90% will not only stay with you—it will keep you safe, stable, protected, and blessed.

*Dr Devan is a Mangaluru-based ENT specialist and author.

Hindusthan Samachar / Manohar Yadavatti