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13 Wise words come from the lips of people with understanding,
    but those lacking sense will be beaten with a rod.

14 Wise people treasure knowledge,
    but the babbling of a fool invites disaster.

15 The wealth of the rich is their fortress;
    the poverty of the poor is their destruction.

16 The earnings of the godly enhance their lives,
    but evil people squander their money on sin.

17 People who accept discipline are on the pathway to life,
    but those who ignore correction will go astray.

18 Hiding hatred makes you a liar;
    slandering others makes you a fool.

19 Too much talk leads to sin.
    Be sensible and keep your mouth shut.

20 The words of the godly are like sterling silver;
    the heart of a fool is worthless.

21 The words of the godly encourage many,
    but fools are destroyed by their lack of common sense.

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