ચોપડે લાખ, રોકડમાં રાખ.

cōpaḍē lākha, rōkaḍamāṁ rākha.

Literally: A lakh on the account book, but keep it in cash.
What it means: Recorded wealth or paper promises are useless compared to actual money in hand.

The same thought elsewhere

अन्यायोपार्जितं द्रव्यं दशवर्षाणि तिष्ठति। प्राप्ते एकादशे वर्षे समूलं विनश्यति॥ સંસ્કૃત

ગુજરાતી કહેવતસંગ્રહ (Gujarati Kahevat Sangrah) (1921) બૃહદ કહેવત કથાસાગર (Bruhad Kahevat Kathasagar) (1920) · read from the scan by machine — the Gujarati itself is unchecked · English is machine-made and nobody has checked it yet

Heard it differently, or know we've got the sense wrong? Tell us — that is exactly the kind of correction this needs.