9. Whoever builds his house, paid for by another, is like one who gathers his building stones in winter.
10. The synagogue of sinners is like stubble piled up; for the end of them both is a burning fire.
11. The way of sinners is paved and level, and at their end is hell and darkness and punishments.
12. Whoever observes justice will obtain an understanding of it.
13. The consummation of the fear of God is wisdom and understanding.
14. One who is not wise in goodness will not accept instruction.
15. Now there is a wisdom which abounds in evil. But there is no understanding where there is bitterness.
16. The knowledge of the wise will increase like a flood, and his counsel will continue like a fountain of life.
17. The heart of the foolish is like a broken vessel, for it will not hold any wisdom.
18. A knowledgeable man will praise any wise word he hears, and he will apply it to himself. The self-indulgent man has heard it, and it displeases him, and so he casts it behind his back.
19. The talk of the foolish is like a burden on a journey. But in the lips of the understanding, grace will be found.
20. The mouth of the prudent is sought in the Church, and they will consider his words in their hearts.