Both stanzas are very similar. They are talking of the same subject and using similar language. However, in the first stanza, the speaker comes off as a brash youth “I was one-and-twenty, / No use to talk to me” (line 7-8) while in the second stanza, Housman makes it clear that with age the speaker has gained maturity and learned a valuable lesson about life and love “I am two-and-twenty, / And oh, ‘tis true, ‘tis true” (line 15-16). The idea of money is an interesting way to explain the trials of love, using money-language: “crowns, pound, guineas, pearls, rubies, paid and sold”. Nevertheless, a young man, according to the “wise man” must guard against having his life taken over by his material possessions and other’s opinions, but his mental and emotional life. This poem is very succinct, with meaning that goes well beyond the actual words written. Housman’s use of money-language: “crowns, pounds, guineas, pearls, rubies, paid, and sold” all serve metaphorically towards the price each of us pays when gambling with love. The idea of money and currency is an interesting way to explain the trials of love. Overall, Housman’s “When I Was One-and-Twenty” is a comical verse about the futility of love, youth, experience, and the irony in living life. The advice the speaker is given is to give away almost anything, with “crowns and pounds and guineas,” and “pearls and rubies” symbolizing any material object, before he gives away his heart/love.