Money you can utilize for duskritina and for sukritina. You can utilize your money for drinking wine, illicit sex, meat-eating and gambling. And you can utilize your money for Krsna's service, for offering yajnas, for constructing temple, sacrifices, push on the sankirtana movement, Krsna consciousness movement. So money is not good or bad. As you utilize it... Similarly, merit, merit also, there. You have got already merit better than the animals, but you have to utilize it for proper service. That is called Krsna consciousness. Consciousness we have got, merit we have got. Simply we have to utilize.
Lecture on Bhagavad-gita 13.16, Bombay, 10 October, 1973