«هِزِّ فْلُوسَكْ وَلَا تْهِزِّ دَقْنَكْ»

The saying recommends managing your affairs so that, when an expense comes up, you have your own cash to pay with. Here money means cash in general, not any particular coin. Having your own funds on hand is presented as the dignified alternative to depending on other people's generosity.

The contrasting image is the borrower or petitioner who wags his beard while talking, nodding and gesturing as he pleads for a loan or a favor. The same verb, shake, governs both money and beard, sharpening the contrast. The proverb treats that posture as humbling and suggests that foresight and saving spare a person from it.

Use when urging thrift, planning, or financial independence, such as warning someone who spends carelessly that they will end up asking others for help. It suits friendly advice or gentle rebuke rather than formal argument.