From a Jain dharma point of view, the real question is not “how to make the most money?” but “how to earn and use money so it helps, not harms, my soul and others.”

I’ll keep it practical and future‑focused:

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1. Basic Jain principles about money

1. Earn only through Samyak Ājīva (right livelihood)

- Income must be: - as non‑violent as possible (ahimsā), - honest (satya), - non‑cheating (asteya), - without exploitation. - Avoid fields that clearly involve: - killing or cruelty (meat, leather, weapons, harmful chemicals, etc.), - intoxication (alcohol, drugs, gambling), - systematic cheating or manipulation.

1. Aparigraha (limit, don’t hoard)

- There is no fixed “right amount of money”, but: - Set a self‑chosen limit on lifestyle and luxury. - Use extra for good causes, not for endless upgrades and show‑off.

1. Dharma–Artha–Kām balance

- Earn (Artha), enjoy simple needs (Kām), but never at the cost of Dharma. - If earning more forces you into adharma (lies, violence, stress, ego), that “extra” is actually loss, not gain.

You can read a Jain perspective on wealth and ethics here

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2. Where not to put your money (from Jain view)

Avoid or be very careful with:

• Businesses based on:

- meat, eggs, fish, leather, animal testing, - alcohol, tobacco, recreational drugs, - weapons, explosives, violent entertainment, - dishonest lending, trapping people in debt.

• Speculation that is pure gambling (high addiction, no real value creation).

Even if they give high return, the karmic cost is very high.

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3. Where it is safer to put money (ethically)

Jainism does not name “buy this stock / this asset,” but gives a filter:

1. Low‑violence, useful sectors

For example: - Education, books, online learning - Healthcare that avoids cruelty (e.g., focusing on human care, non‑animal‑tested products where possible) - Clean technologies, solar, water treatment - Vegetarian / vegan food businesses - IT, software, services that don’t promote violence/vice - Housing and infrastructure done without exploitation

1. Transparent, fair business models

- Clear contracts, fair pricing, no hidden cheating. - Fair treatment of workers and partners.

1. Diverse, not greedy

- Don’t rush behind the highest short‑term profit. - Diversify investments so you are not forced into panic, cheating, or harming others to “save yourself.”

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4. Personal Jain “wealth plan” for the future

You can think in four buckets:

1. Earning (Ājīva)

- Choose a career / business where: - Your skills are used well. - You can keep Jain values without constant compromise. - Even if income is a bit less, peace and clean karma are greater wealth.

1. Protection (Rakshanā)

- Save regularly and simply. - Keep emergency funds so you don’t fall into adharma out of desperation.

1. Growth (Vṛddhi) – with dharma filter

- Invest in: - simple long‑term, ethical instruments (e.g., broad, diversified, non‑sin sectors), - or your own ethical business. - Check: “Does this profit come by harming others?” If yes, skip it, even if it looks attractive.

1. Sharing (Dān)

- Fix a small percentage (even 1–5%) of income for: - Jain temples, pathshalā, gaushala, - education, health, or relief for the needy. - This purifies the remaining wealth and reduces attachment.

A helpful Q&A on how Jains relate to wealth is here

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5. Inner attitude that matters more than “where”

Whatever you choose:

• Stay content (santoṣ) – aim for “enough”, not endless more.
• Stay clean – keep records honest, pay taxes, don’t hide black money.
• Stay light – remember:

Money stays here. Only karma goes with the soul.

If you hold this view, your future earning and investing will naturally go in the right direction, even as the world and markets keep changing.