1. First, take care of the duties of worldly life, then take up the spiritual life using the power of discrimination. The wise will not be lazy about taking care of both aspects of life.
2. If you neglect the worldly life and only follow the spiritual life, you will create suffering for yourself. If you take care of the worldly life along with the spiritual life, then you can be said to be wise.
3. If one completely gives up the worldly life for spiritual life, then he cannot even get food for his meals. How can such a destitute person have any success in spiritual life?
4. If spiritual life is forsaken and one only pursues worldly life, then there will suffering at the time of death. With no spiritual life you will be extremely miserable at the end of your life when death comes.
5. If one does not carry out the work assigned by the boss but only sits lazily at home, the boss will punish him and this will be seen by others.
6. In such a situation one loses his reputation and people cruelly make fun of him. In this way, the living being creates great suffering and sorrow during one's life.
7. The same principle applies with regard to what happens at the end of one's life. Therefore, you must have devotion to God and gain actual experience of your own divine True Form (Swaroopa).
8. Understand that one who is liberated while still leading a worldly life is a true yogi. He continuously sees clearly and gives thought to what is proper and what is inappropriate.
9. One who is alert in worldly life can easily understand what will make the spiritual life successful. One who has no capacity to function appropriately in worldly life will also not be successful in spiritual life.
10. Therefore, take care, and be alert in both worldly life and in spiritual life. If you fail to do this, you will suffer many sorrows.
11. Even worms and insects look carefully when stepping from one leaf to another. All living beings in the world move about using some sense of discernment and discrimination. What then can be said about human beings who live their lives wandering about in delusion?
12. Therefore, you must have foresight and be continuously analyzing situations trying to surmise what might happen in the future and make efforts to bring about good solutions.
13. One who remains alert is happy, and one who is careless becomes unhappy. The evidence of this basic worldly thinking is seen everywhere in daily life.
14. One who is alert and attentive in all things is truly blessed with greatness. He alone remains content among the people.
15. One who becomes lazy and does not do any analytical thinking suddenly falls into calamity without having any time to get the situation under control.
16. Therefore, people who exercise foresight and thoughtful analysis should be observed. Because of the example set by such people others become wise.
17. Recognize those who are truly wise and adopt the qualities of virtuous people, and drop those vices which are observed in others.
18. Examine all whom you come into contact with and don't keep the company of everyone you meet. Don't cause any hurt in anyone's mind while silently making observations about the people you meet.
19. The thoughtful person looks upon all that he sees with equanimity. However, he is thoughtful and discerning, and is able to observe those who are useful and industrious, and those who have some shortcomings.
20. He knowingly observes and accepts everyone. This is his extraordinary quality. He knows how to respect all appropriately.