Answer:
A young man wants to have me but when he has me, he no longer wants me. What am I?
Brown I am and much admired; many horses have I tried; tire a horse and worry a man; tell me this riddle if you can.
First I may be your servant's name. Then your desires I may proclaim. When your mortal life is over, I hold all your wealth within my power. What am I?
So simple, that I can only point. Yet I guide men all over the world.
I wiggle and cannot see; sometimes underground and sometimes on a tree. I really don't want to be on a hook and I become a person when combined with “book”.
Almost everyone needs it, asks for it, gives it. But almost nobody takes it.