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Rudyard Kipling believed it was foolish to spend money as fast as it comes in because it leaves a person with nothing but bills and the reputation of being a fool. Kipling thought that in order to have value, money should not simply be spent immediately but rather be used wisely over time.
His quote suggests that all the money in the world provides no benefit if a person does not manage it carefully and instead spends it all without saving or investing for the future. According to Kipling, spending money too quickly without regard for long-term financial planning essentially wastes the money and makes others see the spender as reckless.