In plain words
I will do that, I will do this, I will do so much more, so saying, do not weave fancies and grow weary; whatever seeds you sowed to come to be here, those very fruits keep reaching you. When the seed is one, how can fruits that differ ever come to be?
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 to shine; no emeralds or rubies set in; no necklaces of diamonds to flourish; no hessonites came along with you. There is, there is one garland on your neck: all that you have done, every one of them counted, good or bad, with none cut away, Brahmā gives you and sends you out with a heavy garland, the necklace strung with all your karmas.
O men! It goes on teaching: recognise that for any joy or sorrow in the world, for any Ānanda, the karmas of good and bad we have done are themselves its root cause; enter into good works, grow good feelings, and within a good life gain the good. What we have done comes to us alone, not to anyone else. The smell of the belch from the food you ate comes to you alone. Does it come to someone else? When you eat a mango, it comes to you alone; the belch of that mango does not come to another. Or, if you eat a mango and want the belch of a cucumber, will it come? It will not. So we ourselves are the root cause of our good and bad. Even God is not its cause. God is only the instrument; but however many bad karmas there may be, however many sins have been done, if you pray to God with all your heart within the supreme principle, all karmas vanish like dew.