Teshuvah, Tefillah and Tzedakah: The Spiritual Side of Financial Planning On Rosh Hashanah and Yom Kippur, we say that teshuvah, tefillah and tzedakah—return, prayer and charitable giving—can transform the severity of the decree. These words can also provide a meaningful framework for the spiritual side of… | Read More in The Blogs.   Read More in Israel NOWlej.