In plain words
A life that does no good to others, cooking without spice, a house without a shape, a life without affection, a temple without its enclosing wall, a mantra without Oṃ: look, they are unsightly!
Students!
Vidyātapobhyāṃ pūtātmane. It means that only the person who has both, learning and tapas, can become pure. Today we think the chief reward is to pursue higher studies, take up high positions, win a pure renown, and pass our lives in comfort without a care or a worry. From the scavenger to the Prime minister, it is by the strength of this education that people pass their lives, govern, and support their lives in many ways. But these kinds of education bring comforts only in the physical, the natural, the worldly … To recognise the truth that these are studies set up for earning a living, and to act on it, is show… as the chief duty of today's students…
Ādhyātmika vidyā vidyānāṃ. But to this education we must add some spiritual education too. Only when the suffix 'ya' is joined to the root 'vit' does it become vidyā. 'Ya' means 'which'. Vit means light. The inner meaning of this word is that whatever gives light, that alone is vidyā. This vidyā belongs to Brahma vidyā alone; it does not belong to worldly studies, to physical studies or to studies for a livelihood. These are studies pursued out of the desire to live human life in this world in comfort and joy: such are these studies. Yet, like the two wings of a bird, like the two wheels of a chariot, this education too is essential to life.
To be happy here, hematāraka vidyā; to be happy hereafter, Brahma vidyā.
Today's education cannot be applied to both, to this world and the next. Studying is one thing, living is another. So in daily life these studies work against even the earning of a living.