1 If a person never says anything carelessly, he is to be congratulated; he doesn't need to feel guilty.
2 If a person has a clear conscience and never gives up hope, he is certainly to be congratulated!
3 It isn't right for someone who is selfish to be rich. What use is money to a stingy person?
4 If you deny yourself in order to accumulate wealth, you are only accumulating it for someone else. Others will use your riches to live in luxury.
5 How can you be generous with others if you are stingy with yourself, if you are not willing to enjoy your own wealth?
6 No one is worse off than someone who is stingy with himself; it is a sin that brings its own punishment.