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A fool may earn money, but it takes a wise man to keep it
a fool may make money, but a wise man should spend ita fool may make money, but it (takes|requires) a wise man to spend ita fool may earn money, but it takes a wise man to keep it
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used to suggest that it is not enough to simply earn money, but it is important to have the knowledge and skill to manage, preserve, and increase one's wealth over time
Proverb
