As to those who hoard gold and silver and spend it not in God's path give them then the tidings of a painful agony: on a day when these things shall be heated in hell-fire and their foreheads and their sides and their backs shall be branded therewith.

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Practical wisdom is only to be learned in the school of experience. Precepts and instruction are useful so far as they go but without the discipline of real life they remain of the nature of theory only.