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11 The more wealth people have,
    the more friends they have to help spend it.
So what do people really gain?
    They gain nothing except to look at their riches.
12 Those who work hard sleep in peace;
    it is not important if they eat little or much.
But rich people worry about their wealth
    and cannot sleep.

13 I have seen real misery here on earth:
Money saved is a curse to its owners.

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