In plain words
When you were born from your mother’s womb, no necklaces at all were to be seen; no strings of fine pearls, not even a sample; no chain of pure gold about the neck; no necklaces of gems shining bright; no emeralds or rubies set in; no necklaces of diamonds to dazzle; no hessonites came along with you. There is, there is one garland on your neck: all that you have done, counted one by one, good or bad, not one left out, Brahmā gives you and sends you forth with a heavy garland: the necklace strung with all your karmas.
This necklace we have brought with us cannot be seen by anyone. We are born wearing this necklace. We pass our lives with this very garland. Whatever results we hope for, all we do is pawn this necklace and live on what it brings. Where did this necklace come to us from? Where did this garland of karma come to us from? It came from our own actions; it came from our own thoughts. That is why the young students of today must try to make their thoughts and actions pure.