Yeah, the first part is not totally true, sometimes telling the truth can temporarily cost us a lot. E.g. if you admit that you didn't do your homework or that you cheated in a test or that you broke something. However, the result is always less severe than lying about it and being found out, and the truth always comes out eventually. The second part is definitely true, a lie can cost you everything, so it's always better to tell the truth, as long as it is done in love. Because truth spoken in anger and laced with hatred can do more damage than a misguided lie that tries to protect a person. I'm not saying it is ever right to lie, but sometimes we should keep our mouths shut and only speak the truth that edifies the person. E.g. If your wife asks you whether a dress makes her look fat, instead of saying "Yes!", you can truthfully answer "Honey, in my eyes you always look beautiful, but the other dress looks better on you."
To sum it up: It sometimes costs us to tell the truth, but it is worth it cause the eventual consequences of lying are far worse. And the truth should always be spoken in love or it can do more damage than a lie can.