We have access to the divine realm from which all thoughts are projected into the world. We are constantly taking ideas from the spiritual world and forming them into our own conception of the things we desire.
Sometimes the finished product does not satisfy or please us. That is because we have taken the idea away from its true parents, wisdom and love, and let it grow to maturity in an atmosphere of error and ignorance. In the matter of money or riches we have taken the idea of pure substance from the spiritual realm, then have forgotten the substance idea and tried to work it out in a material atmosphere of thought. It was a wonderful idea, but when we took it away from its spiritual parents wisdom and love, it became an unruly and disappointing child.
Even if without love and understanding of substance you accumulate gold and silver, your store will not be stable or permanent. It will fluctuate and cause you worry and grief. There are many people who "don't know the value of a dollar," with whom money comes and goes, who are rich today and poor tomorrow. They have no understanding of the substance that is the underlying reality of all wealth.