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22 A shem tov is rather to be desired than osher rav, and chen (grace) rather than kesef and zahav.

The oisher (rich man) and the rahsh (pauper) have this in common: Hashem is the Oseh (Maker) of them all.

A prudent man foreseeth the ra’ah, and hideth himself, but the naïve trudge on, and are punished.

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22 A good name is more desirable than great riches;
    to be esteemed is better than silver or gold.(A)

Rich and poor have this in common:
    The Lord is the Maker of them all.(B)

The prudent see danger and take refuge,(C)
    but the simple keep going and pay the penalty.(D)

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