Franklin uses the language of inheritance to make a humorous point about health and expense. If a person repeatedly needs medical attention and spends heavily on doctors, the physician may receive so much of the person’s money that it is almost as though the doctor had been named an heir.

The saying reflects Franklin’s broader emphasis on moderation, prevention and practical self-care. It does not argue against seeking medical treatment when it is needed. Rather, it warns that neglecting health, living imprudently or becoming unnecessarily dependent on costly remedies can have financial as well as physical consequences. The image of the doctor as an heir exaggerates this connection for effect. The broader lesson is that looking after one’s health and avoiding preventable excess can help preserve both well-being and material resources.