In plain words
What must be spent on the dealings of the world is wealth; but your citta you must spend wholly on carrying out duties that are for God's sake. Men spend all their labours on artha and kāma alone; those who spend them to earn the other two puruṣārthas are rare; when worldly life becomes a burden, if you keep God safe in your heart, zeal for Dharma grows strong, and life becomes very light. Teaching this is itself the work of the Avatāra.
In the Kṛta Yuga the Avatāras appeared to protect the Vedas. In the Tretā Yuga the protection of Dharma became the chief reason; then the truth “Dharmamūlamidaṃ jagat” was established. In the Dvāpara Yuga quarrels broke out over kingdoms, power, property and possessions, money and gold; the Avatāra came and divided them justly, by the way of Dharma; “Dhanamūlamidaṃ jagat” was the state of things then. But in this Kali, for the Veda, Dharma and wealth, all three, there is only fear, only danger. For land, wedded wife and wealth, all three, there is nothing but fear and dread. In the Kali Yuga there is no pure citta, there is no holy feeling; even so, there are easy ways to transform the heart. In Kali, beings of short life, whose life hangs on food, have no means of coming to know what lies beyond reach and beyond the senses.