In plain words
What does not change in the three times: that alone is Satya. So we must make the inquiry that all this physical name and fame is impermanent, is Asatya, and put this loka-vāsanā far away.
Next, deha-vāsanā. My health must be good. I must be well built and well content. I must be a fine handsome man. However many powders and snows you put on for this beauty, the colour God gave does not change. That stays for good. All that you put on is Asatya. They last only five minutes. The truly lasting colour is the colour God gave, so we must take that as Satya. This body is made only of excrement and urine, foul smell, flesh and blood. We must look after it with care only so far as is due. For it is a support for gaining divine Godhead. But we must not hold possessiveness and pride towards it, thinking it alone is lasting, and waste our time on it. However much it is adorned, it is mere disfigurement. The shape it has does not change. Some people go on dressing in the dressing room for an hour, two hours. This is a waste of time. The body is like a bubble on water. Health is most necessary. That is: health is wealth. Until we attain this divinity, until we find fulfilment in this life, as long as we are in this world, it is our duty to see that no disease comes, that no weakness comes, that we do not fall dependent on others. So deha-vāsanā too is a kind of sorrow.
Next, śāstra-vāsanā. However many ways we read these śāstras, recite them, learn them, and win the name of a great scholar of the śāstras, he has no Śānti. What is the reason? If he forgets even a little of these śāstras, it is sorrow to him. If he loses to the person facing him, it is sorrow. Always, to guard against this sorrow, he must go on reciting them in many ways. This sorrow of the śāstras is more painful still. Śāstra means conducting oneself well in what has been commanded. Mere acquaintance with books can never be śāstra. Purity in practice is the true śāstra. So because these three, loka-vāsanā, deha-vāsanā and śāstra-vāsanā, join mala, āvaraṇa and vikṣepa, man is turning more foolish still. So we brought nothing. We can take nothing away.
What did one bring, what did one take, at birth, and then at death? Where does the wealth go, where does one go oneself? Tell me yourselves, sirs; I shall agree.