Proverbs 10:13-16

On the lips of the discerning, [skillful and godly] wisdom is found, But discipline and the rod are for the back of the one who is without common sense and understanding. Wise men store up and treasure knowledge [in mind and heart], But with the mouth of the foolish, ruin is at hand. The rich man’s wealth is his fortress; The ruin of the poor is their poverty. [Ps 52:7; 1 Tim 6:17] The wages of the righteous [the upright, those in right standing with God] is [a worthwhile, meaningful] life, The income of the wicked, punishment. [Rom 6:21-23; 1 Tim 6:10]