kutumba-posaya viyan nijayur
na budhyate rtham vihatam pramattah
sarvatra tapa-traya-duhkhitatma
nirvidyate na sva-kutumba-ramah
kutumbaof family members; posayafor the maintenance; viyatdeclining; nija-ayuhhis lifetime; nanot; budhyateunderstands; arthamthe interest or purpose of life; vihatamspoiled; pramattahbeing mad in material conditions; sarvatraeverywhere; tapa-trayaby the threefold miserable conditions (adhyatmika, adhidaivika and adhibautika); duhkhitabeing distressed; atmahimself; nirvidyatebecomes remorseful; nanot; sva-kutumba-ramahenjoying simply by maintaining the members of the family.
One who is too attached cannot understand that he is wasting his valuable life for the maintenance of his family. He also fails to understand that the purpose of human life, a life suitable for realization of the Absolute Truth, is being imperceptibly spoiled. However, he is very cleverly attentive to seeing that not a single farthing is lost by mismanagement. Thus although an attached person in material existence always suffers from threefold miseries, he does not develop a distaste for the way of material existence.
A foolish man does not understand the values of human life, nor does he understand how he is wasting his valuable life simply for the maintenance of his family members. He is expert in calculating the loss of pounds, shillings and pence, but he is so foolish that he does not know how much money he is losing, even according to material considerations. Canakya Pandita gives the example that a moment of life cannot be purchased in exchange for millions of dollars. A foolish person, however, wastes such a valuable life without knowing how much he is losing, even according to monetary calculations. Although a materialistic person is expert in calculating costs and doing business, he does not realize that he is misusing his costly life for want of knowledge. Even though such a materialistic person is always suffering threefold miseries, he is not intelligent enough to cease his materialistic way of life.

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