by Reb Akiva at Mystical Paths
Once in a while, someone comes up to me at the Kotel and asks for a blessing. Not that I am any different from anyone else, but people often associate a white beard with wisdom. (It should only be.) I always give them the same answer, “When you want a blessing, you do not have to find an old man to ask. Just walk up to a pushka (charity box), put a coin in it, and then ask G-d for whatever you need. Talk to Him just as you would talk to your father, because in truth, He is our Father and He wants to help us.”
Of course, I then ask G-d to bless them so they do not feel rejected, but the important thing is that they should learn where is the source of blessings.
Blessings are a spiritual matter. Spiritual matters do not work like physical matters. For instance, if you have a physical bank account and you want it to grow you know that you must not spend it. You have to add to it and leave it alone so it will increase.
But a spiritual bank account is not like that. In order to have your spiritual bank account grow, you must put something in it, and then you have to spend what you have in your account. Whenever you do a mitzvah (a good deed), you make a deposit into your spiritual bank account. Once you have something in your account, you should spend it by asking G-d, in the merit of that good deed, to send blessings to you and to your family and to all those around you who are in need.
Asking for blessings for all of these people is also a mitzvah, so instead of using up (emptying) your spiritual account by praying for others, you have just increased it even more.
This also works for your loved ones who have passed away. Do a good deed in their name, and ask G-d to give their soul an aliyah (spiritual lift). The benefit of that good deed will elevate their portion in the spiritual world.
This is why we say, “you lose what you keep, and keep what you give away.” This means that you really have no idea what is going to happen to your physical assets when you die, but all that you gave away (to good causes) will follow you into the next world.
BS"D - בסיעתא דשמיא