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Difference between Like water and Like water off a duck’s back

like water—(of money) spend in great quantity or recklessly:

  • She spends money like water to create a luxurious home far beyond the means of her humble husband.

like water off a duck’s back—(of criticism, etc.) have no effect or make no impression whatsoever:

  • I keep telling him it’s foolish to gamble, but it’s like water off a duck’s back.