Shloka 22

त्रैवार्षिकादू यदा भक्तादथिकं स्याद्‌ द्विजस्य तु | यजेत तेन द्रव्येण न वृथा साधयेद्‌ धनम्‌,जब ब्राह्मणके पास तीन वर्षतक निर्वाह होनेसे अधिक धन एकत्र हो जाय तब वह उस धनसे यज्ञ करे। धनका व्यर्थ संग्रह न करे

traivārṣikād ū yadā bhaktād adhikaṃ syād dvijasya tu | yajeta tena dravyeṇa na vṛthā sādhayed dhanam ||

Bhīṣma said: “When a twice-born man finds that his provisions exceed what is needed for three years of maintenance, he should employ that surplus in sacrifice and sacred giving, rather than accumulating wealth without purpose.”

त्रैवार्षिकात्from (the limit of) three years' (subsistence)
त्रैवार्षिकात्:
Apadana
TypeAdjective
Rootत्रैवार्षिक
FormNeuter, Ablative, Singular
यदाwhen
यदा:
Adhikarana
TypeIndeclinable
Rootयदा
भक्तात्from sustenance/maintenance (food-allowance)
भक्तात्:
Apadana
TypeNoun
Rootभक्त
FormNeuter, Ablative, Singular
अधिकम्more; excess
अधिकम्:
Karta
TypeAdjective
Rootअधिक
FormNeuter, Nominative, Singular
स्यात्should be / may arise
स्यात्:
TypeVerb
Rootअस्
FormOptative (Vidhi-lin), 3rd, Singular
द्विजस्यof a twice-born (brahmin)
द्विजस्य:
Sampradana
TypeNoun
Rootद्विज
FormMasculine, Genitive, Singular
तुindeed; but
तु:
TypeIndeclinable
Rootतु
यजेतhe should perform a sacrifice
यजेत:
TypeVerb
Rootयज्
FormOptative (Vidhi-lin), 3rd, Singular
तेनwith that
तेन:
Karana
TypePronoun
Rootतद्
FormNeuter, Instrumental, Singular
द्रव्येणwith wealth/substance
द्रव्येण:
Karana
TypeNoun
Rootद्रव्य
FormNeuter, Instrumental, Singular
not
:
TypeIndeclinable
Root
वृथाin vain; uselessly
वृथा:
TypeIndeclinable
Rootवृथा
साधयेत्he should accumulate/bring about
साधयेत्:
TypeVerb
Rootसाध्
FormOptative (Vidhi-lin), 3rd, Singular
धनम्wealth
धनम्:
Karma
TypeNoun
Rootधन
FormNeuter, Accusative, Singular

भीष्म उवाच

B
Bhishma
D
Dvija (twice-born)

Educational Q&A

Do not hoard wealth beyond reasonable security; if one has surplus beyond three years’ maintenance, it should be redirected into yajña and dharmic distribution, turning private excess into public and spiritual good.

In Bhīṣma’s instruction on dharma (especially norms of conduct and right use of wealth), he sets a practical limit for accumulation and prescribes sacrifice/charitable religious use for surplus, framing wealth as a trust to be used purposefully.