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We jivas are really poor, no doubt. We are poor jivas but we are not poor Narayanas. (To identify Narayana, who is the permanent possessor of all wealth, with a poor jiva, is an absurdity.) Our poverty should be diminished. And to that end, wealth should be accumulated. What kind of Wealth? It is wealth of krsna-prema – causeless love for the Absolute Truth, Krsna. And for this, we should pray to Him in the same way as a Vaisnava mahajana prays, in the following lines:

prema dhana vina vyartha daridra-jivana

dasa kari vetana more deha prema dhana

"Life without love is useless and poor they say Appoint me in Thy service, O Lord with love as my pay."

Our prayer should be of this nature. We naturally begin to feel dislike for everything but Krsna as soon as we feel necessity for Krsna-prema. In absence of this, other tendencies and considerations take firm hold of our mind, exhorting us to great workers, forgetful of the main object of the pancaratra.