His bark is worse than his bite. He's got a gruff exterior but underneath is a heart of gold.

He had a heart of gold.

For her heart was cold to all but gold,And the rich came not to woo --But honored well are charms to sellIf priests the selling do.

It was miserably rough. That horse has got a heart of gold. It got its second wind and started trusting us, or something. He started working with us. That's when we got him out of there.

Judy was a vibrant, outgoing compassionate person with a heart of gold.

If someone told you that you have a one in two chance of having a heart attack, you would want to know that because it might change your behavior. This is similar except that it relates to your finances.