સંપત હોય થોડી તો રાખીએ ગાય કે ઘોડી.

saṁpata hōya thōḍī tō rākhīē gāya kē ghōḍī.

Literally: If wealth is small, one should keep a cow or a mare.
What it means: When resources are limited, one should invest in assets that yield practical utility or livelihood.

Also said as

કહેવત સમુદાય (Kahevat Samuday) ગુજરાતી કહેવતસંગ્રહ (Gujarati Kahevat Sangrah) (1923) ગુજરાતી કહેવતસંગ્રહ (Gujarati Kahevat Sangrah) (1921) · 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.