Saving for household expenses, lawful work, treatment, or education can be responsible planning. Ḥirṣ, in contrast, becomes harmful when acquiring more dominates gratitude, fairness, and responsibilities.
Example 1: A person saves prudently while honoring obligations and helping when able. That is planning, not necessarily greed.
Example 2: Another repeatedly breaks promises and harms customers for a larger profit. That reflects unchecked craving.
The parallel phrases عَلَى الْمَالِ and عَلَى الْعُمُرِ both use the preposition عَلَى, neatly pairing the two desires.