In plain words
Even after he lands a job, Ānanda does not come to him. Next, thinking that if he marries, this Ānanda might somehow come to him as a householder, he becomes a householder. But even in that āśrama of the householder Ānanda did not come to him. Thinking that children might give him some Ānanda, who knows, he longs for children. But even from his children Ānanda does not come to him. At last, deciding that study, job, wealth and family all rest on money, ‘Money is the root of this world’, he toils night and day to earn money, with no sleep for his eyes and no food for his stomach. In the end, without enjoying the money he earned, he lets it fall to thieves or to wicked sons, and wringing his hands and beating his breast, he comes to misery.
It is sacrifice that is the quality befitting the rich
Then man recognises that in study, in a job, in the āśrama of the householder, in children or in wealth, Ānanda turns out to be only temporary, and that there is no lasting Ānanda in any of them. Even with wealth, man cannot be blessed with Ānanda. Man's state today is like that of a dog sitting on a haystack. It will not let the cattle come near the haystack. It does not eat the hay itself. In just the same way, the man who has wealth makes no sacrifice himself. He takes no comfort from it; nor, for all that, does he spend that money for the use of others. Wealth like this is no fitting mark of a rich man.
It is sacrifice that is the right quality for a rich man. He cannot recognise that Ānanda comes only in sacrifice. What are the things that stand in the way of this Ānanda? The five kleśas stand in man's way. They are avidyā kleśa, asthita kleśa, abhinava kleśa, rāga kleśa and dveṣa kleśa.