In plain words
Sowing the seed called karma, we reap the fruit called habit. Sowing the seeds called habit, we reap the fruit called character. Sowing this seed called character, we reap the fruit called fortune. Fortune rests on our quality. Quality rests on our thoughts. Thoughts rest on our karmas. Karmas rest on saṅkalpas. Our saṅkalpas alone are the cause of every joy and sorrow. So, first of all, we must try to keep our saṅkalpas under control. In worldly life we push all the good and bad onto others. We think, "This sorrow came to me because of others; this gain came through others." A mistake. Your fortune and misfortune are not caused by others; your own saṅkalpas are the cause. If you pass an examination, it is the fruit of your own effort. If you fail, it is the lack in your own effort. Had you studied well and with all your heart, you would surely have passed. It is the same in every undertaking. When you want to win success, you must develop good saṅkalpas. This saṅkalpa must not be for selfish ends and your own gain.
Svabhāvas. Sva means the Ātma. Only the feelings of the Ātma are svabhāvas. One's own Dharma or another's Dharma, one's own nature: these rise from the heart. Each one of them comes out of the heart; none of them enters in. In the spiritual citta boundless excitements and boundless joys keep rising. At times it brings absorption. It brings intoxication; to some extent it brings madness. That is why Nārada said,
Yada jñātvā matto bhavati stabdho bhavati ātmārāmo bhavati.
Saṅkalpas alone are the root cause of everything. So we must not put our joys and sorrows on someone else. "I alone am the cause of everything. No one else is the cause": when a man recognises this truth, he becomes one of true saṅkalpa. Only one whose form is such saṅkalpa is a sādhu. Once such saṅkalpas have risen, we must recognise the svabhāva: that all these have come from the Ātma. Nobody comes and speaks with our mouth. Nobody comes and talks into our ear. All these have come from ourselves.