It is especially important for Torah scholars and their wives and families to be very careful about their expenditure, and not spend money unless it is absolutely necessary. They should not be bothered about clothes which lack beauty or about jewelry or expensive foods. They should be satisfied with little so that the scholar will not need to be occupied with his finances, and thereby minimize his holy work. There portion in the world to come which is completely good should suffice for them. If the wife of the scholar will follow this advice and be responsible for the ways of the house to know what to do, she will get the first portion in the merit of the Torah (which is more valuable than pearls) which she enabled her husband to learn. All of the household members and other people who help a Torah scholars will take a portion in the world to come.