In plain words
When we wish to eat this fruit called fortune, we must become pure in virtue and character. If he is to live as a person of virtue and character, he must develop right and good habits. If we are to experience good habits, we must enter into good deeds. If we are to receive the fruit of good deeds, the saṅkalpas must be right saṅkalpas. In short, all of man's good fortune and misfortune depends on man's saṅkalpas alone. There is no one more fortunate than the one who has developed nothing but good saṅkalpas. There is no joy at all that he cannot experience, no position he cannot attain, no culture he cannot reach. Otherwise, when we have developed nothing but bad saṅkalpas, we turn wicked, wayward and evil in conduct, and there is no escaping a life of nothing but a low state.
So all of man's states and fortunes, every one of them, depend on his own saṅkalpas alone. These good saṅkalpas are to be had only from satsaṅga alone. When we nourish good saṅkalpas through satsaṅga, we make our life fruitful in good habits. Today, however, man has developed our saṅkalpas just as they occur to him, but he is left empty of the power to inquire whether this is good or bad. Ratnākara, who had been a savage hunter, through contact with the maharṣis was changed into the author of the Rāmāyaṇa, into Vālmīki. A great villain called Aṅgulīka too, through contact with the Buddha and through good teachings, grew good saṅkalpas and was himself changed into a supreme devotee. Jagāi and Mādhāi, great thieves and savage men, through contact with Caitanya and through good qualities, grew saṅkalpas, and they too are making their lives fruitful. That is why satsaṅga is most essential for man. As one's company is, so one's saṅkalpas too take shape. This is just it: Tell me your company I shall tell you what you are. That is why we must join the good. We must grow good qualities. We must practise good habits. We must enter into good deeds. For all of these, saṅkalpas alone are the root cause. Not in Bhārata alone but in other countries too, there are many persons who reached the right state through such good saṅkalpas and made their saṅkalpas fruitful.
Long ago in England there was one who wrote addresses on envelopes, took the kāni or half-kāni people gave him, and lived his life in this way. He was ever filling his heart with the thought of God.