ગરથ વિના ગુણ નહીં, ગુણ વિના જ્ઞાન નહીં.

garatha vinā guṇa nahīṁ, guṇa vinā jñāna nahīṁ.

Literally: Without wealth there is no virtue, without virtue there is no knowledge.
What it means: Material security is the foundation for developing virtues, which in turn are necessary for acquiring true knowledge.

Also said as

ગુજરાતી કહેવતસંગ્રહ (Gujarati Kahevat Sangrah) (1923) · 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.