A dictionary of Proverbs (Oxford Paperback Reference)

species see the FEMALE of the species is more deadly than the male.
If you don’t SPECULATE, you can’t accumulate

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  1925 WODEHOUSE ‘Bit of Luck for Mabel’ in Eggs, Beans and Crumpets (1963) 127 You can’t accumulate if you don’t speculate. So, though funds were running a bit low by this time, I invested a couple of bob in a cab. 1941 D. DODGE Death & Taxes xxiii.
  

Krebs took out his billfold. ‘Can you give me any assurance that you have useful information?’ ‘Nope.’.. ‘You never accumulate if you don’t speculate.’ 1957 WODEHOUSE Something Fishy iv. Don’t spoil the ship for a ha’porth of tar, or, putting it another way, if you don’t speculate, you can’t accumulate. 1984 J. S. SCOTT All Pretty People ix. ‘Bloody liquor’s becoming an expense.’ ‘Won’t be for long. You have to speculate to accumulate, if we kept her sober we couldn’t do it our way.’ “gains and losses; riches; risk
SPEECH is silver, but silence is golden
See also the abbreviated form SILENCE is golden.

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  1834 CARLYLE in Fraser’s Magazine June 668 As the Swiss Inscription says: Sprechen ist silbern, Schweigen ist golden (Speech is silvern, Silence is golden). 1865 A. RICHARDSON Secret Service ii. A taciturn but edified listener, I pondered upon.. ‘speech is silver, while silence is golden’. 1936 W. HOLTBY South Riding I. iv. She will give a pound note to the collection if I would cut my eloquence short, so in this case, though speech is silver, silence is certainly golden. 1961 M. SPARK Prime of Miss Jean Brodie i. Speech is silver but silence is golden. Mary, are you listening? “speech and silence
  

speed see more HASTE, less speed.
What you SPEND, you have
The original of quot. 1579, which is quoted inexactly by Spenser, was the epitaph on the tomb of Edward Courtenay Earl of Devon (d. 1509) and his wife in St. Peter’s church, Tiverton, Devon.

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  c 1300 in M. R. James Catalogue of Library Pembroke College (1905) 35 That ich et [I ate] that ich hadde. That ich gaf that ich habbe. That ich ay held that i nabbe [do not have]. 1579 SPENSER Shepherd’s Calendar (May) 56 (Glossary) Ho, ho, who lies here? I the good Earle of Deuonshere, And Maulde my wife, that was ful deare. .. That we spent, we had: That we gaue, we haue: That we lefte we lost. 1773 S. JOHNSON Letter 12 Aug. (1952) I. 338 The monument of Robert of Doncaster.. says.. something like this. What I gave, that I have; what I spent, that I had; what I left that I lost. 1862 Times 15 Dec. 8 The most common maxim of the rank and file of British industry is that what you spend you have for it alone cannot be taken away from you. “getting and spending