One of the things they don't tell you is that while appearances do matter (affecting how you relate to yourself, how others relate to you), what also matters is strength, stamina, strength of mind as well as body. If you are a beautiful person, do you have the strength to deliver on your beauty? Or will your stamina give out? -- you'll snap at someone you were gentle toward.
So virtue involves the building-up of wealth, while somehow not compromising a spirit of poverty. This presents a puzzle for which there is at least one answer I can think of -- how can these two aims be reconciled?