“Money is a handmaiden, if thou knowest how to use it; a mistress, if thou knowest not” — Horace
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In this quote, Horace is contrasting two ways that money can be viewed and treated. He says that if one knows how to use money, it will be like a “handmaiden” or servant – something that assists you but that you are in control of.
However, if one does not know how to use money properly, it will become like a “mistress” – something that dominates and controls you.