If you real desire is to be good, there is no need to wait for the money before you do it you can do it now, this very moment, and just where you are.

The saying urges immediate moral action and rejects the common excuse that virtue depends on improved circumstances. By linking “being good” to the present moment and one’s current situation, it frames character as a choice rather than a reward of wealth or comfort. The implied target is the mindset that postpones ethical living—generosity, honesty, self-discipline—until one has “made it.” In James Allen’s broader ethical self-help outlook, inner reform precedes outer change: money may expand what one can do, but it does not create goodness. The quote therefore emphasizes agency, personal responsibility, and the primacy of character over conditions.