Mahabharata — Anushasana Parva, 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 ||
毗湿摩说道：“当一位两次出生者（dvija）发现自己的资财供给已超过三年所需之用度时，应以其余财行祭祀（yajña）与神圣布施，而不当徒然聚敛、无义积财。”
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.