Swift cuts through the false choice between asceticism and greed by suggesting that money demands intellectual attention, not emotional attachment. The distinction matters because we often treat financial prudence as somehow corrupting to the soul—when in fact, careful thinking about resources is its own kind of virtue, while *feeling* entitled to wealth or obsessing over it corrodes character. Consider the difference between someone who budgets carefully because they understand scarcity and opportunity (head money) and someone who chases status through purchases or resents others' prosperity (heart money); the first person sleeps better and makes better decisions. Swift's wisdom applies equally to the struggling and the comfortable: money belongs in your calculations, never in your dreams.