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Money is a good servant, but a bad master

Possible interpretation: If you have money, it will serve you and work for you well. But if you owe money to other people, that money will control you in an unpleasant way.

Note: servant (noun) = a person who performs duties for other people | master (noun) = a person who controls other people

Quick Quiz:

If it's true that "money is a good servant, but a bad master", which of these would be preferable?
  1. money you own
  2. money you owe
  3. money the bank owns

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