Answer:
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. What am I?
Everyone in the world needs me. They generously give me but never take me. What am I?
What has a bottom at the top?
I am a ship that can be made to ride the greatest waves. I am not built by tool, but built by hearts and minds. What am I?
In buckles or lace I help set the pace. The farther you go the thinner I grow.
No matter how little or how much you use me, you change me every month.