Shloka 22
Cyavana’s Water-Vow and the Ethics of Cohabitation (स्नेह-सम्वास-धर्मः)
त्रैवार्षिकादू यदा भक्तादथिकं स्याद् द्विजस्य तु | यजेत तेन द्रव्येण न वृथा साधयेद् धनम्
traivārṣikād ū yadā bhaktād adhikaṃ syād dvijasya tu | yajeta tena dravyeṇa na vṛthā sādhayed dhanam ||
ビーシュマは言った。「二度生まれ（ドヴィジャ）が、三年の生計に足る分を超えて財を蓄えたなら、その余剰をもって祭祀（ヤジュニャ）と聖なる施与を行い、むなしく富を積み上げてはならぬ。」
भीष्म उवाच
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.