“There are two times in a man’s life when he should not speculate: when he can’t afford it, and when he can” — Mark Twain
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In this quote, Mark Twain is offering tongue-in-cheek advice about speculative investing and risk-taking. He suggests that one should avoid speculation both when they lack the financial means to do so as well as when they have ample wealth. Twain seems to be implying that speculation is foolish regardless of one’s economic circumstances – both the poor and the rich have reasons they should not gamble their money.
Overall, through his characteristic wit, Twain appears to be cautioning against gambling and high-risk behavior related to one’s finances, as such actions are ill-advised whether one is in a position of lack or luxury.