न क्लेशेन विना द्रव्यमर्थहीने कुतः क्रियाः । क्रियाहीने कुतो धर्मो धर्महीने कुतः सुखम्
na kleśena vinā dravyamarthahīne kutaḥ kriyāḥ | kriyāhīne kuto dharmo dharmahīne kutaḥ sukham
لا مالَ بلا كَدٍّ، ومع فقدِ المالِ من أين تكون الأعمالُ الدينية؟ وبلا أعمالٍ من أين يكون الدَّرما؟ وبلا دَرما من أين تكون السعادة؟
Skanda (deduced; Kāśīkhaṇḍa commonly Skanda speaking to Agastya)
Tirtha: Kāśī
Type: kshetra
Scene: A sequential ‘ladder’ scene: a worker/householder earning honestly, then offering dāna at a ghāṭ, then performing simple Śiva-pūjā, culminating in a serene family/pilgrim experiencing contentment—Kāśī skyline unifying the stages.
Sustained well-being rests on dharma, and dharma is supported by disciplined effort and the capacity to perform right actions.
The wider frame is Kāśī in the Kāśīkhaṇḍa; this verse teaches dharma pragmatics rather than praising a named site.
It generally points to kriyā (religious acts/rites) as necessary supports for dharma, without naming a specific rite.