Benevolence means kindness, thrift means enough.

Thrift makes a name for oneself, luxury leads to failure.

The conduct of a gentleman is to cultivate one’s character through tranquility, and to cultivate one’s virtue through frugality. If he is not indifferent, he will not have a clear ambition. If he is not tranquil, he will not be far-reaching. - Zhuge Liang, extravagance leads to many desires, and a gentleman’s many desires lead to the pursuit of wealth and honor. It's a waste of time and speed of disaster.

Extravagance leads to too many desires, and a gentleman’s too many desires leads to his desire for wealth and honor, which is a waste of time and brings disaster.

It is easy to go from frugality to luxury, but it is difficult to go from luxury to frugality.