Fearless mortals you have come far and overcome many perils to reach my domain
Step forth!
If you dare accept my challenge, all you need do is answer my riddle and shall allow you to pass
But, be warned if you fail your life shall be forfeit and I shall claim your soul

Tell me then!
What is it that
A poor man has
A rich man needs
A content heart wants
And an empty heart bleeds
A miser spends
A fool saves
And all mortals take with them to their graves?