49.A wise man will make tools of what comes to hand. 能隨機應變的人是聰明人。

48.No man is born wise. 聰明非天生。

47.He is wise that hath wit enough for his own affairs. 明智者有足夠的機智處理自己的事情。

46.A wise man cares not for what he cannot have. 智者不強求。

45.He is wise that knows when he's well enough. 知足為智者。

44.Wise men learn by other men's mistakes;fools by their own. 聰明人從旁人的錯誤中吸取教訓，愚笨人則從自身的錯誤中吸取教訓。

43.Wise men have their mouth in their heart,fools their heart in their mouth. 聰明人嘴在心裡，愚蠢人心在嘴邊。

42.He is the wisest man who does not think himself so. 不自作聰明便是最聰明。

41.A pound of care will not pay an ounce of debt. 深憂償不了小債。

40.Out of debt,out of danger. 脫債就脫險。