This proverb gives practical financial wisdom: if someone wants you to guarantee a debt for a stranger or unknown person, take a pledge from them first. It is a warning against naive generosity that puts yourself at serious risk without safeguards. Wisdom includes practical caution in financial commitments.
Memory phrase: Be careful with big promises.
Talk about it: Why is it important to think carefully before making a big promise?
Prayer: God, give me wisdom before I make big promises.