पुस्तकेषु च या विद्या परहस्ते च यद्धनम् ।
समये तु परिप्राप्ते न सा विद्या न तद्धनम् ॥

Knowledge which is in the form of a book is not knowledge. Money in the hands of another is not money provjeriti. The reason is both the knowledge in the book and the money with somebody else are of no use in time of your need.