In plain words
In creation, sustenance and dissolution there are not only God's resolves; some part of man's own efforts is held within them too. On the strength of the karmas he does and the feelings he holds in thought, he goes on reaching the places, good and bad, that he must reach in the end. That is why man, born of Mādhava, forgets his Mādhava-nature. That is why he takes shape as a demon, behaves like a beast, and makes his sacred life utterly meaningless. Child! Death has not ceased to be. Birth has not ceased to be. But the jīva has the strength and the power to make sure that after death there is no birth. The end is in your own hand. Suppose there is a small seed, green gram. When it is put in the earth, it comes up as a plant and bears many pods. But no one can say where that green gram seed was born, who its father was, who its grandfather, who its great-grandfather. For how long has it gone on taking this birth, from one to the next! So no one can tell its beginning. But once we put it in our mouth and chew it, the end, at least, is in our hand. The beginning we do not know, but the end is in our hand. When man was born, how he was born: there is no telling its beginning. The end, though, is held within the sādhanas we do. When you make the northern journey, through the feeling of Brahman, the Jñāna of Brahman, the principle of Brahman and divine Prema, you can attain Divinity. Students! Paddy. On it there is a husk. So long as the husk remains, in whatever earth we put it and pour water: punar api jananaṃ, punar api maraṇaṃ. But if we take off the husk, it becomes rice. When we put this rice in the earth, punarjanma na vidyate. It has no birth any more. Paddy has birth. But the rice within the paddy has no birth. What is the difference between this paddy and rice? With husk, paddy. Without husk, rice. With desires, punar api jananaṃ. Without desires, punarjanma na vidyate.
So we ride on matter like a scooter. All of life is matter, matter. This is rayi. This is the light of the moon. The moon does not mean that moon which shines. Candramā manaso jātaḥ, cakṣoḥ sūryoʼjāyata: it is our own Manas itself.