Quick answer
The wise wear what they have gained. The second line refuses to dress the alternative up at all.
Read both lines
The second line is almost a shrug, and its flatness is deliberate: the folly of fools is folly, and there is nothing further to say about it. Against that, the first line's crown image recalls verse 18, where the prudent were crowned with knowledge, which suggests the riches here are what a wise life accumulates rather than money by itself. The verse is not claiming wisdom pays out. It is observing that what a wise person ends up holding is worth wearing, and what a fool ends up holding is just more of the same.
Related: Proverbs 14:18 · Proverbs 8:18 · Proverbs 26:11
New King James Version®, Copyright © 1982, Thomas Nelson. All rights reserved. Full copyright information. Scripture provided by API.Bible.
Go Deeper
If this verse has been used to put weight on you that it was never carrying, ask about it directly.