। ॥ ७२ ॥
In plain words
Earning it, guarding it, giving it away, spending it — look honestly at any of them and it is nothing but pain, always, for everyone. Wealth is not a means to happiness.
Close to the Sanskrit
In acquiring, in guarding, in giving, or even in spending — in truth, always, for men there is only pain; wealth is not a means to happiness.