This proverb means that when someone offers you money, you should be cautious and vigilant. Sometimes, money can bring troubles, obligations, or hidden expectations. On the other hand, when someone offers you advice, it is often wise to accept it, as it can help you make better decisions. In summary, caution applies to money, while open-mindedness applies to advice. The equivalent in English might be: ‘Be wary of those who give you money, but listen to those who give you advice.’