In plain words
The one whose heart is full of compassion, whose speech is adorned with truth, whose body is spent for the good of others: what can Kali do to him?
The life of the man whose heart is full of compassion, whose word is joined with truth, and whose body takes part in work for the good of others, is blessed. The sway of the Kali age cannot move such a man in the least.
All the living beings in the world are divided into four classes. 1. Aṇḍajas (those born from an egg), 2. piṇḍajas (those that come from the womb), 3. svedajas (those born from sweat), 4. udbhijas (those that spring from the earth). There are 21 lakh under each class, 84 lakh living beings in all. All of these are subject to three kinds of suffering. 1. Ādhibhautika, 2. ādhidaivika, 3. ādhyātmika. The sufferings that come from animals, and from insects and vermin such as flies and mosquitoes, belong to the ādhibhautika. The sufferings that come from upheavals of nature such as earthquakes and floods, and from diseases such as cholera and plague, belong to the ādhidaivika. The sufferings that come from food and habits, and from wicked people, belong to the ādhyātmika. But what is the remedy for all these sufferings? It is to hold firmly to faith in the Ātma. You must have faith in the Ātma. You must revere the Ātma. You must strive for the Ānanda of the Ātma. Nine paths have been taught for attaining the Ānanda of the Ātma:
“Hearing, singing, remembering Viṣṇu, serving His feet, salutation, worship, servitude, friendship and offering of the self.”