A realization

Pustakastha tu ya Vidya
Parahasta Gatam Dhanam
Karyakaale Samutpanne
Na Saa Vidya Na tat Dhanam

Knowledge that exists in a book and money that is in another's hands
Is not knowledge nor money - cos when you need it its not there!

So true! Damn you Sanskrit Pundits for such foresight! :-(