Knowledge is the (real) wealth of a man while staying in foreign lands. His intelligence is his only wealth in adversities. His righteous behavior is his wealth in other world (after the death). Good conduct (however) is the wealth everywhere. Daylight and darkness, dusk and dawn, winter and springtime come and go. Time plays and life ebbs away. But the storm of desire, one never leaves. (Hence) Worship the Lord, Worship the Lord. Just as the farmer reaps the fruit according to the seed that he plants in the field, a man reaps spiritual merit or sin according to the acts he performed. Endless are the scriptures and endless are the things to be known, and obstacles in life. But life is short. Therefore like a swan separates milk from water, in the same way one should separate and know the essentials, and leave the non-essentials. Lakshmi, or the goddess of Fortune, comes only to the industrious lion among men; it is only weaklings that say that we have to take what fate