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| “ Precious treasure and oil are in a wise man’s dwelling, but a foolish man devours it. “                            |
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| 📖 Proverbs 21:20                                                                                                     |
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| Wisdom: saving and preparing for the future. Low time preference & thoughtful                                        |
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| Folly: instant gratification, spending resources right away, high time preference and impulsive                      |
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| Wise financial stewardship includes foresight, restraint and saving for future uncertainty                           |
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| God bless you ✝️                                                                                                      |
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