etā hy eveha nṛbhir upagantavyā gatayo yathā-karma-vinirmitā yathopadeśam anuvarṇitāḥ kāmān kāmayamānaiḥ.

etah-all these; hi-indeed; eva-certainly; iha-in this universe; nrbhih-by all living entities; upagantavyah-achievable; gatayah-destinations; yatha-karma-according to one's past activities; vinirmitah-created; yatha-upadesam-as instructed; anuvarnitah-described accordingly; kaman-material enjoyment; kamayamanaih-by those who are desiring.