Verse 18 wouldn't normally have been the proverb that jumped out at me - EXCEPT it was one of the main points in Dave Ramsey's Financial Peace University class tonight.
Here's how it reads in the translation I've been using as I read Proverbs (NIV 1984):
A man lacking in judgement strikes hands in pledge
and puts up security for his neighbor.
The translation used in the Dave Ramsey class (CEV) brings it a little closer (too close?) to home:
It's stupid to guarantee someone else's loan.
... you mean like what parents do for their kids college loans???
I pray that my kids have a deep-seated fear of ever making their father look stupid.
God will bless your reading,
Pastor David
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