The original question was edited. Much of the focus in Franklin's article is how to avoid financial challenges and fiduciary ruin. By itself, this has relevance to modern times and our lives. The reality is that economic challenge impacts everyone and is something that causes a great deal of challenge. Franklin's words on how to be fiscally responsible might have connection to those who lack such structure in their own lives. Consider his proverb connecting to excess spending:
If you would be wealthy, think of saving as well as of getting: the Indies have not made Spain rich, because her outgoes are greater than her incomes.
This proverb has relevance to modern times in explaining the danger of "outgoes greater than incomes." Living beyond one's means is something that speaks to modern times more than ever. Credit expenditures as well as financial risk have contributed to the financial ruin of millions of people.
Franklin's proverbs regarding wealth and how to spend money properly echo of responsibility as critical. Consider, "What maintains one vice, would bring up two children" as an example of this. Franklin's proverb speaks to the idea of prioritizing why we spend what we spend. It is important to have perspective in spending habits. When we teach children (and adults) to be fiscally responsible, we essentially are teaching them this lesson. Whatever is allocated towards a vice or something extraneous can be doubled in spent in the right way. For example, spending excessive amount of money on a obscenely large television can be reallocated in a more responsible manner and reap double the benefits.