12
Store up acts of charity in your treasuries, and it will deliver you from every distress.
13
More than a sturdy shield and more than a hefty spear, it will fight for you against an enemy.
14
Good people will guarantee a loan for neighbors, and those who have lost any sense of shame will abandon them.
15
Don't forget the kindness of those who have guaranteed a loan, since they gave their life on your behalf.
16
Sinners will ruin their guarantor's property,
17
and ungrateful persons intentionally abandon their rescuers.
18
Guaranteeing a loan has ruined many prosperous people and tossed them about like a wave on the sea. It has led to the exile of the powerful, and they have wandered among foreign nations.
19
Sinners will fall into guaranteeing loans, and when they chase profits, they will fall into lawsuits.
20
Help your neighbor as much as you can, but keep yourself from ruin.
Home and children
21 Life's foundations are water, bread, clothing, and a house for ensuring privacy.
22
Better is the life of the poor under a shelter of rafters than magnificent food in foreign countries.