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13 Wise people speak with understanding,
    but people without wisdom should be punished.

14 The wise don’t tell everything they know,
    but the foolish talk too much and are ruined.

15 Having lots of money protects the rich,
    but having no money destroys the poor.

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13 Wisdom is found on the lips of the discerning,(A)
    but a rod is for the back of one who has no sense.(B)

14 The wise store up knowledge,(C)
    but the mouth of a fool invites ruin.(D)

15 The wealth of the rich is their fortified city,(E)
    but poverty is the ruin of the poor.(F)

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