In plain words
Good conduct alone is our property. The Ānanda of satsaṅga alone is our riches. Wealth, property and riches are not a currency of this world. The Ātma-jñāna that brings us to the holy, divine abode is true wealth. We must go on winning such artha. There is no use in earning merely worldly, physical wealth. The money of Bhārata does not pass in another country. Will money earned in this world be of any use to spend in the other world? This is not the wealth we must earn. Ātma-jñāna alone is our true wealth. The wealth of good conduct alone is our true wealth. The growth of good qualities alone is our true wealth. This is artha.
Worldly Desires Only Bind Us; They Do Not Grant Mukti
Next, kāma. That is, desires. What are these desires? There is no end at all to desires. Today humanness is turning into animality precisely because these desires overstep every bound. These evil desires are the cause of sorrow. These are not the desires we should have. These are not the wishes we should seek. In the world of Prakṛti we need food to eat, cloth to wear, a house to live in, and medicine to drink when illness comes. These alone are the natural supports. But people take desires for wishes. That is not the wish there should be. We must ask, ‘O God! I left You and came away; grant me the chance to reach You again.’ To ask for that fitness is the true wish. ‘Grant me the fitness to reach You. Bestow on me that holy purity of citta. Through that purity of citta show me the way to attain You.’ This is what a wish means! Pushing aside such an eternal, true wish, people wish for things that vanish in a moment. That is precisely why Śaṅkara gave the wholesome counsel, ‘Take no pride in wealth, kin and youth; Time takes them all away in a moment.’ Is this what we should ask for? Within half a moment it slips away, this wealth. In a few days it melts away, this youth. All these are like clouds that drift in midway and drift off midway.