Wise Wealth
The wise have wealth and luxury, but fools spend whatever they get.
Proverbs 21:20 NLT
The ESV version phrases it this way, "Precious treasure and oil are in a wise man's dwelling, but a foolish man devours it."
There is wisdom in being frugal and saving for the future. It also provides greater peace. Living paycheck to paycheck and spending more than you make is stressful.